Franchise Directory
2 franchise brands scored by real SBA loan performance data.
Sources: SBA 7(a) Foia Data, FTC Franchise Rule (FDDs)
How do I find the best franchise to buy?
PeerSense scores 6,300+ franchise brands using real SBA loan performance data — not marketing materials. Compare initial investment, royalty rate, unit count, and our proprietary FPI (Franchise Performance Index) score side-by-side. The most-funded franchises by SBA loan volume are Subway, Quiznos, Dairy Queen, Anytime Fitness, and Domino's, but the right brand for you depends on your budget, category, and target geography.
— PeerSense Capital Advisory · Updated April 27, 2026
Showing 1-2 of 2 franchises in Education & Tutoring
Code Wiz
Education & TutoringFor entrepreneurs passionate about shaping the next generation of innovators and problem-solvers, Code Wiz offers a franchise opportunity at the intersection of education and technology, two of the most dynamic and recession-resistant sectors in the American economy. Founded in 2017 by Ruth Agbaji, a software engineer driven by her conviction that every child deserves access to quality coding education, Code Wiz has developed a unique center-based and online learning model that teaches children ages seven to seventeen the fundamentals of computer programming, robotics, and computational thinking through engaging, self-paced curricula. Now part of the Tutor Doctor family of education brands, Code Wiz has positioned itself to capitalize on the explosive demand for STEM education that is being fueled by parental awareness of the critical role technology skills play in future career success, school district adoption of computer science requirements, and a broader cultural recognition that coding literacy is becoming as fundamental as reading and mathematics. The landscape of children's enrichment education has evolved dramatically, yet a significant gap persists between what parents want for their children and what is readily available in most communities. School-based coding programs, where they exist at all, typically offer limited instruction time with generalized curricula that cannot accommodate individual learning speeds or interests. Online-only platforms provide convenience but often lack the mentorship, social interaction, and hands-on experience with robotics and hardware that research shows are essential for deep learning engagement. Traditional tutoring centers focus on academic remediation rather than the creative, forward-looking skill development that parents increasingly prioritize. Meanwhile, the Bureau of Labor Statistics projects software development jobs will grow significantly faster than average through the next decade, and technology companies consistently cite the shortage of qualified technical talent as their greatest challenge. This convergence of parental demand, educational gaps, and workforce needs creates a substantial and growing market for specialized coding education franchises that can deliver quality instruction at scale. Code Wiz meets this demand with a comprehensive, center-based learning environment where students engage with coding and robotics through a personalized, self-paced approach that sets the brand apart from competitors relying on rigid class schedules and one-size-fits-all curricula. Each Code Wiz center offers a range of programs including after-school coding classes, weekend workshops, summer camps, birthday party events, and online sessions that extend the brand's reach beyond the physical center. Students work through progressively challenging projects using industry-relevant programming languages and platforms, building real applications, games, websites, and robotic systems that demonstrate tangible skill development. The proprietary curriculum is continuously updated to reflect the latest technology trends and educational best practices, ensuring that what students learn remains relevant and engaging. Instructors guide each student individually, adapting the pace and complexity of instruction to match the child's abilities and interests, creating the kind of personalized attention that parents value and that drives strong enrollment retention rates. The investment required to open a Code Wiz franchise is structured to be accessible for first-time franchise owners while providing the infrastructure needed to deliver a premium educational experience. Total investment ranges from approximately $150,000 to $237,000, which includes the franchise fee, center build-out, technology equipment including computers and robotics kits, curriculum licensing, marketing launch costs, and initial working capital. Franchisees pay an ongoing royalty of 6 percent on gross sales and contribute up to 2 percent to the Brand Development Fund for national marketing initiatives. Additionally, franchisees are expected to invest a minimum of $1,500 monthly in local marketing to build awareness and drive enrollment within their territory. Code Wiz provides extensive pre-opening support including site selection guidance, center design specifications, instructor recruitment assistance, and a comprehensive training program that covers both the educational methodology and the business operations required to run a successful learning center. Ongoing support includes curriculum updates, marketing resources, technology platform maintenance, and regular coaching from the corporate team. The education franchise sector has demonstrated remarkable resilience through economic cycles, and Code Wiz benefits from multiple revenue streams that provide operational stability and growth potential. Center revenue is generated through recurring monthly enrollments, drop-in classes, seasonal camp programs, special events like birthday parties and school field trips, and online instruction sessions that expand the addressable market beyond the center's immediate geographic radius. The recurring nature of monthly enrollments creates predictable revenue that simplifies business planning and supports favorable lending terms. SBA lending data tracked through PeerSense shows franchise lending activity for Code Wiz that reflects the growing institutional confidence in education technology franchise concepts, particularly those with the backing of established education franchise platforms like Tutor Doctor. The combination of strong parent demand, recurring revenue characteristics, and the growing cultural emphasis on STEM education positions Code Wiz franchisees to build sustainable businesses in communities that genuinely need the services being provided. The growth potential for Code Wiz is amplified by several powerful tailwinds that show no signs of abating. State after state is adopting computer science education requirements, creating awareness among parents who then seek supplemental instruction to ensure their children excel. Major technology companies including Google, Microsoft, Apple, and Amazon have launched initiatives promoting coding education for youth, further normalizing the concept and driving demand. The rise of artificial intelligence and machine learning as transformative technologies has intensified parental urgency around ensuring their children develop the computational thinking skills needed to thrive in an AI-augmented workforce. Code Wiz has responded to these trends by continuously expanding its curriculum to include emerging technologies while maintaining the foundational programming skills that remain essential. The brand's integration into the Tutor Doctor ecosystem provides access to established operational infrastructure, cross-marketing opportunities, and the strategic guidance of a proven education franchise organization. The ideal Code Wiz franchisee does not need a background in information technology or computer science, though a genuine enthusiasm for education and technology is essential. The company seeks franchise partners who are passionate about making a positive impact in their communities, comfortable leading and managing small teams of instructors, and committed to building relationships with local schools, parent organizations, and community groups. Strong marketing and sales abilities are valued, as building enrollment requires consistent community outreach and the ability to articulate the value proposition to parents evaluating various enrichment options for their children. The relatively modest investment requirements and home-based administrative model make Code Wiz particularly attractive for career changers, educators seeking entrepreneurial opportunities, and parents who want to build a business that aligns with their values while contributing to their community's educational infrastructure. PeerSense provides comprehensive franchise intelligence for Code Wiz and thousands of other franchise brands, empowering prospective investors with the data-driven insights essential for making informed investment decisions. Through detailed analysis of SBA lending patterns, unit growth trends, competitive positioning within the education franchise segment, and financial performance benchmarks, PeerSense helps investors evaluate franchise opportunities with the same analytical rigor that institutional lenders apply to loan approvals. Whether you are comparing Code Wiz against other children's education and STEM franchise concepts, analyzing territory availability and market demographics, or assessing the brand's growth trajectory relative to industry trends, PeerSense delivers the transparent, actionable intelligence that enables confident franchise investment decisions. Explore the full Code Wiz franchise profile, review lending data, and connect with financing resources designed to help qualified candidates move from research to ownership with clarity and purpose.
Huntington Learning Center
Education & TutoringHuntington Learning Center stands as one of the most established and widely recognized supplemental education franchises in the United States, offering a proven model for entrepreneurs who want to build a meaningful business while making a tangible difference in students' academic lives. Founded in 1977 by Dr. Raymond Huntington and his wife Eileen in Oradell, New Jersey, the company began as a single tutoring center built on the premise that every child can succeed academically with the right individualized instruction and support. Nearly five decades later, that founding philosophy has scaled into a national network of approximately 300 learning centers spanning 39 states, making Huntington one of the largest and most enduring brands in the supplemental education space. The company remains privately held and family-operated, a distinction that sets it apart from many franchise systems that have cycled through multiple private equity owners. This continuity of ownership has enabled Huntington to maintain a consistent focus on educational outcomes, franchisee support, and methodical expansion rather than the aggressive growth-at-all-costs strategies that can undermine franchise system quality. With nearly four decades of franchising experience dating back to 1985, the Huntington model has been refined across multiple economic cycles, education policy shifts, and competitive landscapes, giving prospective franchise investors a track record that few education brands can match. The supplemental education industry in the United States represents a massive and growing market, driven by structural forces that show no signs of reversing. The K-12 tutoring market alone exceeds $12 billion annually and is projected to continue expanding as academic standards tighten, college admissions competition intensifies, and parents increasingly view educational support as a necessity rather than a luxury. The COVID-19 pandemic accelerated these dynamics dramatically, with widespread learning loss creating an unprecedented surge in demand for remediation services. National Assessment of Educational Progress data revealed historic declines in reading and math scores across virtually every demographic group, and school districts have struggled to close the gap with their existing resources. This environment has created a sustained tailwind for established tutoring brands, with families actively seeking trusted providers who can deliver measurable academic improvement. Huntington operates in a competitive landscape that includes national chains like Kumon, Sylvan Learning, and Mathnasium, as well as thousands of independent tutors and a growing roster of online-only platforms. What distinguishes Huntington from many competitors is the depth and customization of its diagnostic approach, the breadth of its program offerings spanning both remediation and test preparation, and its emphasis on one-on-one and small-group instruction delivered by certified teachers. While Kumon relies on a standardized worksheet-based methodology and Mathnasium focuses exclusively on math, Huntington provides comprehensive academic support across all subjects and grade levels, positioning it as a full-service solution for families with diverse educational needs. The financial investment required to open a Huntington Learning Center franchise is structured to be accessible for qualified entrepreneurs while providing the resources necessary to build a professional learning environment. The initial franchise fee is $36,000, which grants rights to operate under the Huntington brand and access the company's proprietary curriculum, technology platform, and operational systems. Notably, Huntington offers a 25 percent discount on the initial franchise fee for qualified teachers and for military veterans honorably discharged from the U.S. Armed Forces who hold at least a 10 percent ownership stake in the franchise, reflecting the brand's commitment to attracting operators with either educational expertise or a strong service orientation. The total initial investment ranges from approximately $163,000 to $302,000, encompassing build-out costs, furniture and equipment, technology systems, initial marketing, training expenses, and working capital reserves. This investment range positions Huntington competitively within the supplemental education franchise category and well below many service-based franchise systems in other sectors. Prospective franchisees should have a minimum of $110,000 in liquid capital and a net worth of at least $200,000 to meet the company's financial qualification requirements. Ongoing royalty obligations are set at 9.5 percent of gross revenues, and franchisees contribute 2 percent of gross revenues to the Huntington Advertising Fund, with a minimum monthly contribution of $500. An additional call center fee of $390 per month supports the centralized lead generation and appointment-setting infrastructure that drives customer inquiries to individual centers. The initial franchise term is 10 years, with the option to renew for successive 10-year terms provided the franchisee meets the required conditions, giving operators a long runway to build equity and grow their business. Huntington provides one of the most comprehensive training and operational support systems in the education franchise sector, designed to equip franchise owners with the tools to deliver consistent, high-quality instruction regardless of their prior background in education. The Franchisee Initial Training program, known as FIT, is conducted in three phases over several weeks and combines online modules with instructor-led classroom sessions totaling approximately 185 hours of training. This program covers every facet of the business, from understanding the Huntington curriculum and assessment methodology to center operations, financial management, marketing execution, and staff recruitment. A second component called the Huntington Initial Training Program, or HITP, focuses specifically on implementing the proprietary Huntington System of learning, which is the methodological backbone of the tutoring services. This training ensures that every center delivers the same diagnostic-driven, individualized approach to student instruction that has defined the brand for decades. Beyond initial training, Huntington provides ongoing support through dedicated franchise business consultants, regional meetings, an annual conference, and a suite of technology tools that streamline operations from student enrollment through progress tracking and parent communication. The centralized call center is a particularly significant asset, handling inbound inquiries and scheduling initial consultations, which allows franchise owners to focus on delivering educational outcomes and managing their teams rather than spending excessive time on phone-based lead conversion. Huntington's operational model is built around a center-based format typically ranging from 1,500 to 3,000 square feet, located in retail strip centers or professional office parks with strong visibility and convenient access for families. Huntington Learning Center discloses financial performance data in Item 19 of its Franchise Disclosure Document, providing prospective franchisees with meaningful insight into the revenue potential of the business. Based on the most recent FDD data, the average gross revenue for Huntington Learning Center franchise locations is approximately $561,000 to $589,000 per year. These figures reflect the performance of the franchise network and provide a baseline for financial modeling, though individual results will vary based on factors including market demographics, local competition, center maturity, and owner involvement. The revenue model is driven by hourly tutoring fees, with average tuition rates that reflect the premium positioning of the brand within the supplemental education market. Revenue streams include learning center programs for academic remediation, standardized test preparation for the SAT, ACT, AP exams, and state assessments, and subject-specific tutoring across all grade levels. The recurring nature of student enrollment, with many families committing to multi-month programs, creates relatively predictable revenue patterns compared to many retail or service-based franchise models. The principal fixed expenses for a Huntington center include rent, full-time staff payroll, advertising costs, and technology and call center fees, while principal variable expenses include teacher pay, royalty payments, and advertising fund contributions. Over 30 percent of Huntington franchise owners operate multiple centers, a strong indicator that the unit economics support profitable expansion for committed operators. The franchise was ranked number 130 on Entrepreneur Magazine's 2025 Franchise 500 list and was named to Newsweek's 2025 Best Customer Service list, both of which reflect the brand's ongoing competitiveness and customer satisfaction metrics. Huntington Learning Center's growth trajectory reflects a deliberate, quality-focused expansion strategy rather than the rapid unit proliferation that characterizes many franchise systems. With approximately 300 locations operating across 39 states, the brand has established broad geographic coverage while maintaining significant whitespace for new franchise development in underserved markets. The company's competitive advantages extend beyond its market presence to include several structural differentiators that are difficult for newer entrants to replicate. First, the depth of the proprietary assessment and curriculum system, developed and refined over nearly 50 years, creates a genuine barrier to entry. Unlike tutoring services that rely on off-the-shelf materials or generalized approaches, Huntington's diagnostic-driven methodology identifies specific skill gaps and creates customized learning plans for each student, which translates directly into measurable academic improvement and high parent satisfaction. Second, the company's status as a privately held, founder-influenced organization provides stability and a long-term orientation that franchisees value, as it insulates the system from the short-term financial pressures that often accompany private equity ownership transitions. Third, Huntington's breadth of service offerings spanning academic remediation, test preparation, and subject tutoring means that franchise owners are not dependent on a single revenue stream or seasonal demand pattern, creating resilience across economic cycles. The brand's multi-unit ownership rate exceeding 30 percent signals that existing franchisees see sufficient return on investment to justify additional center openings, which is one of the most reliable indicators of system health in franchising. The ideal Huntington Learning Center franchisee is an individual or partnership with strong business management skills, a genuine interest in education and child development, and the leadership ability to build and manage a team of qualified instructors. While a background in education is not required, the company's teacher discount on the franchise fee suggests that educators transitioning into business ownership represent a highly valued franchisee profile. Successful Huntington owners typically possess strong community engagement skills, as the business relies heavily on local reputation, school relationships, and parent referral networks to drive enrollment. The semi-absentee ownership model is less common in Huntington's system compared to some franchise concepts, as the highest-performing centers tend to be operated by hands-on owners who are actively involved in center operations, staff development, and community marketing. Territory protection is a standard feature of the Huntington franchise agreement, with exclusive geographic areas defined based on population density, school districts, and the demand for supplemental education services, ensuring that franchisees can invest confidently in their local market without facing competition from another Huntington location. For prospective franchise investors evaluating opportunities in the education sector, Huntington Learning Center offers a compelling combination of brand heritage, proven systems, and a market environment that is experiencing sustained structural growth. The supplemental education space sits at the intersection of several powerful economic and demographic trends, including rising academic expectations, growing awareness of learning gaps exacerbated by the pandemic, and increasing parental willingness to invest in their children's educational outcomes. Huntington's position as one of the most established brands in this space, with nearly 50 years of operating history and close to four decades of franchising experience, provides a level of institutional knowledge and system maturity that newer concepts simply cannot offer. The combination of a manageable initial investment, comprehensive training and support, centralized lead generation through the call center, and disclosed financial performance data gives franchisees the information and infrastructure they need to build a sustainable, community-focused business. Whether you are a first-time franchise buyer seeking a business with purpose and proven economics, or an experienced multi-unit operator looking to diversify into education, Huntington Learning Center warrants serious consideration. Contact a franchise financing consultant today to explore funding options, review the latest Franchise Disclosure Document, and determine whether the Huntington model aligns with your investment goals and community impact objectives.
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About the PeerSense Franchise Directory
The PeerSense Franchise Directory is the most comprehensive data-driven franchise research tool available. With over 6,300 franchise brands scored by real SBA data and 133,000+ mapped locations, each profile includes our proprietary Franchise Performance Index (FPI), composite health scores, SBA lending data, geographic distribution, and FDD-sourced investment details.
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Start by browsing popular categories like Restaurants, Hotels, Fitness Centers, or Child Day Care. You can also search by name, filter by investment range, and sort by FPI score to find top performers.
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Top 200 Franchises by SBA Loan Volume
The 200 franchise brands with the deepest public SBA 7(a) loan track records, ranked by approval volume. Each profile includes peak SBA year, top state, average loan size, and lender concentration ratio — the data prospective franchisees and capital advisors use to benchmark a brand's financing accessibility.
- 1.Subway6,080
- 2.Quiznos2,764
- 3.Dairy Queen2,005
- 4.Anytime Fitness1,274
- 5.Cold Stone Creamery1,219
- 6.Quality Inn1,191
- 7.Ace Hardware1,175
- 8.The UPS Store1,108
- 9.Jimmy John's1,071
- 10.Comfort Inn & Suites945
- 11.Best Western882
- 12.Domino's Pizza880
- 13.Econo Lodge794
- 14.Baskin-Robbins775
- 15.SERVPRO717
- 16.Smoothie King707
- 17.Firehouse Subs698
- 18.The Goddard School687
- 19.Matco Tools676
- 20.Blimpie658
- 21.Meineke Car Care Centers632
- 22.Motel 6613
- 23.Maaco608
- 24.Great Clips600
- 25.Massage Envy591
- 26.AAMCO Transmissions,584
- 27.Hampton by Hilton582
- 28.Kiddie Academy567
- 29.Primrose Schools554
- 30.Ameriprise Financial540
- 31.La Quinta by Wyndham539
- 32.Fantastic Sams536
- 33.Schlotzsky's532
- 34.Minuteman Press527
- 35.FASTSIGNS504
- 36.Choice Hotels499
- 37.Marco's Pizza499
- 38.Curves493
- 39.Edible490
- 40.Ramada by Wyndham484
- 41.HOTWORX482
- 42.Papa Murphy's480
- 43.Midas478
- 44.Big O Tires466
- 45.Jersey Mike's463
- 46.Red Roof Inn461
- 47.Home Instead445
- 48.Cicis Pizza437
- 49.Burger King419
- 50.Budget Blinds409
- 51.Super 8409
- 52.Play It Again Sports408
- 53.Zaxby's393
- 54.ServiceMaster390
- 55.European Wax Center389
- 56.Sleep Inn382
- 57.Days Inn369
- 58.The Learning Experience364
- 59.Culver's363
- 60.Tropical Smoothie Cafe363
- 61.Dunkin' Donuts359
- 62.Howard Johnson349
- 63.All Tune and Lube348
- 64.Scooter's Coffee342
- 65.Rodeway Inn339
- 66.Arby's330
- 67.Kids R Kids326
- 68.Snap Fitness323
- 69.Sport Clips320
- 70.Christian Brothers Automotive319
- 71.Nothing Bundt Cakes318
- 72.Planet Beach318
- 73.Golden Corral315
- 74.Shell Service Station311
- 75.Comfort Inn301
- 76.Wingstop292
- 77.Crumbl Cookies290
- 78.BIGGBY Coffee289
- 79.Liberty Tax287
- 80.Americas Best Value Inn285
- 81.Microtel by Wyndham284
- 82.Supercuts283
- 83.Denny's282
- 84.Camp Bow Wow281
- 85.Cottman Transmission281
- 86.The Little Gym281
- 87.Club Pilates281
- 88.Holiday Inn Express276
- 89.Sign*A*Rama275
- 90.F45 Training270
- 91.Dickey's Barbecue Pit270
- 92.Once Upon A Child268
- 93.Naturals2go265
- 94.RE/MAX262
- 95.Menchies258
- 96.Sylvan Learning256
- 97.Huntington Learning Center251
- 98.Marble Slab Creamery249
- 99.TCBY247
- 100.Rita's Italian Ice247
- 101.True Value242
- 102.Gold's Gym242
- 103.The Grounds Guys241
- 104.Pet Supplies Plus240
- 105.Pizza Ranch237
- 106.Papa John's230
- 107.FedEx Ground223
- 108.Petland220
- 109.Post Net217
- 110.Texaco Service Station212
- 111.Grease Monkey211
- 112.General Nutrition Center210
- 113.Batteries Plus207
- 114.Line-X204
- 115.Century 21203
- 116.Rainbow International203
- 117.Knights Inn202
- 118.Mellow Mushroom201
- 119.Wendy's200
- 120.Cartridge World198
- 121.Great Harvest Bread Co.197
- 122.Pure Barre196
- 123.Jackson Hewitt Tax Service195
- 124.Amazing Lash Studio195
- 125.Popeyes194
- 126.NAPA Auto Parts193
- 127.Mr. Goodcents192
- 128.Baymont189
- 129.Little Caesars188
- 130.Snap-On-Tools188
- 131.Radio Shack187
- 132.Molly Maid185
- 133.Urban Air Adventure Park180
- 134.Merle Norman Cosmetics180
- 135.Two Men And A Truck180
- 136.Fox's Pizza177
- 137.Dogtopia175
- 138.Sonic174
- 139.Rocky Mountain Chocolate Factory173
- 140.Planet Fitness173
- 141.Jet's Pizza F/A172
- 142.Pearle Vision172
- 143.Bee Hive Homes171
- 144.Exxon170
- 145.Jiffy Lube167
- 146.Auntie Ann's (Soft Pretzels)167
- 147.X-Golf166
- 148.College Hunks Hauling Junk165
- 149.Sir Speedy Printing163
- 150.Wild Birds Unlimited161
- 151.Pita Pit161
- 152.Moe's Sw Grill160
- 153.Checkers Drive-In Restaurants159
- 154.Hollywood Tans159
- 155.Taco Bell158
- 156.Mr. Handyman158
- 157.Allstate Insurance157
- 158.PuroClean157
- 159.Wetzel's Pretzels156
- 160.Floor Coverings156
- 161.Senior Helpers156
- 162.Visiting Angels154
- 163.Right at Home153
- 164.Which Wich F/A152
- 165.Brusters Limited Partnership150
- 166.Mountain Mike's Pizza150
- 167.D1t Raining149
- 168.Health Mart148
- 169.Candlewood Suites146
- 170.Code Ninjas146
- 171.Mr. Electric145
- 172.Sunoco Service Station145
- 173.Gameday Mens Health144
- 174.GOLF ETC OF AMERICA144
- 175.Wingate by Wyndham143
- 176.Cyclebar143
- 177.CertaPro Painters142
- 178.Waterstation142
- 179.Mr. Appliance141
- 180.Burn Boot Camp Fitness141
- 181.Stretch Lab140
- 182.Mighty Dog Roofing139
- 183.Teriyaki Madness138
- 184.Fitness Together138
- 185.Church's Fried Chicken137
- 186.Taco John's137
- 187.Comfort Suites136
- 188.Bahama Bucks134
- 189.Huddle House134
- 190.PIRTEK134
- 191.Hobbytown Usa134
- 192.Comfort Keepers134
- 193.Buffalo Wild Wings133
- 194.Goldfish Swim School132
- 195.Dbat131
- 196.Medicap Pharmacy131
- 197.Carvel130
- 198.Pump It Up Holdings130
- 199.Atlanta Bread Company128
- 200.AlphaGraphics126
Browse All Franchises A-Z
Franchise Financing Programs
The full capital stack for franchise acquisition, build-out, and refinance.
SBA 7(a) & 504
5.50–11.75%Up to $5M acquisition / real estate / equipment, 10% down
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive — Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Mezzanine Debt
11.00–18.00%Subordinate to senior, $1M–$50M, capital stack fill
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt