How much does it cost to buy a franchise?

Franchise costs vary widely, from under $50K for home based concepts to over $1M for restaurant and hotel brands. The total investment includes the franchise fee, build out, equipment, and working capital. PeerSense lets you filter 6,300+ brands by investment range.

What is an FPI score?

The Franchise Performance Index (FPI) is PeerSense's proprietary health score that rates franchises on a 100 point scale. It factors in SBA loan volume, lending trends, lender diversity, default rates, and geographic spread to measure franchise financial health.

Can I get an SBA loan to buy a franchise?

Yes, SBA 7(a) loans are the most popular way to finance a franchise purchase. Most franchises on the SBA Franchise Directory are eligible. PeerSense shows which franchises have active SBA lending history and which banks fund them most often.

Franchise Directory

6,300+ franchise brands scored by real SBA loan performance data.

6,300+ Franchise Brands2.1M+ SBA Loans Analyzed133K+ Locations Mapped3,700+ FDDs Available

Quick Answer

How do I find the best franchise to buy?

PeerSense scores 6,300+ franchise brands and compares initial investment and royalty rates. It uses real SBA loan performance data, not marketing materials. Compare unit count and the proprietary FPI (Franchise Performance Index) score side by side. If a brand is a fit, talk to PeerSense about franchise funding, CMBS, or bridge financing. Originator capital and invoice factoring are also on the desk. Talk to PeerSense. The capital source sets the terms.

, PeerSense Capital Advisory · Updated September 28, 2026

Brand search and FPI scoring stay on this desk. Browse the live directory, then bring the file. Franchise pages stay indexed. PeerSense sources capital through a curated network. Each source underwrites its own terms.

Open the brand directory

Found a franchise? Talk to PeerSense about funding it.

Tell us the brand and your budget. The desk reviews the file and reaches out. Referral fee realized at closing. PeerSense is not the lender.

Talk to PeerSense

Tell us the franchise brand and your budget. The desk reviews the file and reaches out. Talk to PeerSense. The capital source sets the terms.

SBA Franchise Acquisition: The desk will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

By checking this box and submitting my information, I electronically sign and agree that PeerSense, Inc. and its affiliates, funding partners, and franchise partners may contact me at the email address and phone number I provided, including by phone call, SMS/text message (including autodialed, prerecorded, or artificial voice messages), and email, for marketing, franchise research, and funding related purposes, even if that number is on any Do Not Call list. Message and data rates may apply. Consent is not a condition of purchase. I may opt out at any time by replying STOP to texts or emailing info@peersense.com. I have read and agree to the Privacy Policy and Terms of Service.

Referral fee realized at closing · Or call (317) 452 6990

Franchise Financing Programs

The full capital stack for franchise acquisition, build-out, and refinance.

Originator warehouse

$100M a month

Focus $100 million a month. Will look at $10 million a month. $10 million is not the focus.

See current rates

Invoice Factoring

0.5 to 3.5% / 30d

B2B invoices from $20 million a month. Advance 80 to 95 percent of face.

See current rates

CMBS Conduit

5.60 to 7.10%

10 year Non Recourse fixed, $10 million and up, fully assumable

See current rates

Bridge Loans

9.00 to 14.00%

$10 million and up. Cash in about 35 percent. Name the takeout first.

See current rates

Data Center

CRS to 89%

$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.

See current rates

Contracted revenue sale

Up to 89%

15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.

See current rates

Hotel Financing

Hotel financing is search only for $10 million and up, with cash in about 35 percent.

See current rates

Private Credit

7.80 to 18.00%

Non bank flexibility for commercial real estate at $10 million and up.

See current rates

SBA 7(a) & 504

Search path. Not a growth lane on this desk.

See current rates

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Page Review

Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense

PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
Edward L. Freeman founded PeerSense in January 2020.
He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page

Last reviewed October 2, 2026LinkedIn profile About Edward Freeman