SBA Franchise Lending

Loan Amounts

  • $150,000 - $5,000,000

Borrower Profile

  • Management experience is required, direct industry experience is strongly preferred
  • Borrowers/owners must have acceptable personal credit histories with no historical personal or corporate bankruptcies
  • Most franchise concepts, with at least a 2 year track record, will be considered.  These include (but are not limited to): hospitality, restaurant, daycare, fitness, retail and business services.

Key Terms $ Features

  • Down payment as low as 15%, LTV up to 85%
  • Competitive interest rates
  • Repayment terms:
    Up to 25 years fully amortizing with commercial real estate
    Up to 10 years fully amortizing non real estate based
  • Available for start-up of new location, expansion of current business and/or acquisition/transfer of existing qualified franchises.
  • Financing is also available for equipment purchase/upgrade, site remodeling, and working capital (including franchise fee, loan packaging fee and SBA guaranty fee).
  • Recourse loans (personal guaranty will be required)
  • Collateral requirements:  First security interest in all business assets, personal assets may also be required.

Pre qualification

  • Loan pre qualification service is available with no charge or obligation by providing limited information
  • Submit a Franchise Disclosure document to be added to Cornerstone Bank’s approved franchise list


Cornerstone Bank Small Business Capital Group