Franchise Finance
Specialist finance for new and existing franchisees — from your first store to your next territory.
$5k – $500k
Finance range
Up to 5 years
Loan or lease terms
10 min
Online application
4–48 hrs
Typical approval
Australia's franchise finance specialists
Since 2014, CFI has helped thousands of Australians realise their franchise ownership dreams — from first-time franchisees to multi-site operators expanding their portfolio.
Our specialist franchise finance team understands how franchise networks work — accreditation requirements, fitout timelines, franchisor expectations, and the unique needs of franchise businesses. Whether you need a loan or lease, we'll find the right structure for you.
What can you finance?
From your first franchise to your fifth territory, CFI has the finance solutions to support every stage of your franchise journey.
Start a franchise
Get the capital you need to launch your franchise — from franchise fees and fitouts to equipment and working capital.
Buy an existing franchise
Fund the acquisition of an established franchise territory — including goodwill, equipment, and stock.
Store fitouts & refurbishments
Finance complete fitouts for new stores or refresh existing locations — we understand progress payments and landlord contributions.
Equipment
Lease or loan finance for ovens, fridges, coffee machines, POS systems, vehicles, signage, and more.
Business loans
Flexible business loans from $25k to $500k — for franchise fees, expansion, or anything your business needs.
Working capital
Fast access to up to $50,000 in working capital to smooth out cash flow or cover unexpected expenses.
Choose your structure
We offer flexible finance structures to suit your franchise and tax situation.
Loan (Chattel Mortgage)
You own the equipment from day one. A chattel mortgage is a straightforward loan secured against the asset — ideal when you want ownership and potential tax benefits.
- Own the equipment from the start
- Fixed repayments over 3–5 years
- Potential to claim GST credits and depreciation
Lease Solution
Choose a fixed term of three, four, or five years and have the confidence of knowing you'll own the assets at the end.
- Own the equipment at end of term
- Fixed repayments for the full term
- Potential tax benefits on lease payments
How it works
Apply online
Complete our simple application — it takes about 10 minutes. Tell us about your franchise and what you need.
Get assessed
Our credit team reviews your application in-house. For accredited franchise brands, the process is even faster.
Get funded
Once approved, funds are released quickly — we pay suppliers directly where applicable, so you can get started.
What you'll need
Australian Business Number (ABN) — or applying for one
An Australian resident or permanent visa holder
Details of the franchise you're buying or expanding
A quote or breakdown of costs (equipment, fitout, franchise fee)
Basic financials — we'll guide you through what's needed
Don't have all of this yet? That's OK — talk to us and we'll help you work out what you need.
Why choose CFI for franchise finance?
Franchise specialists
Our dedicated franchise finance team understands franchisor requirements, fitout timelines, accreditation processes, and the unique needs of franchise businesses.
We're the lender
As a direct lender, we make the credit decisions in-house — so you get answers faster and deal with the people actually funding your franchise.
Flexible structures
Loan or lease — choose the finance structure that suits your franchise and tax situation. We'll help you work out which option makes the most sense.
We approached CFI Finance for our latest restaurant and found them to be very flexible and the approval process very quick. The paperwork was also very simple.
— Marco, Franchise Owner, NSW
Common questions
Can I get finance if I'm starting a new franchise?
Absolutely. CFI has helped thousands of Australians get their start in franchise business. Whether you're buying into a brand for the first time or setting up a brand-new territory, we have funding options designed for new franchisees.
What if my franchise brand isn't accredited with CFI?
That's OK — we can still help. While accredited brands enjoy a faster, more streamlined process, we assess all franchise finance applications on their merits. Talk to us about your situation and we'll let you know what's possible.
Do I need a deposit?
It depends on the finance type and amount. Some franchise finance structures require a contribution, while others don't. Your CFI Finance Specialist will give you a clear picture early in the process based on your circumstances.
What types of equipment can I finance?
Just about anything your franchise needs — ovens, fridges, coffee machines, display cabinets, POS systems, vehicles, signage, and complete fitout packages. We finance both new and used equipment from any Australian supplier.
How quickly can I get approved?
Most applications are assessed within 24–48 hours. For accredited franchise brands, the process can be even faster because we already understand the brand and its requirements.
Can I finance a complete fitout as one package?
Yes. CFI regularly finances complete fitout packages — equipment, fixtures, signage, and installation costs — as a single finance facility. We understand how franchise fitouts work, including progress payments and landlord contributions.
More questions? See our full FAQ or get in touch.
Just some of the brands we work with
Whether your franchise brand is listed here or not, CFI can help.
Ready to get started?
Apply for franchise finance today — specialist funding for new and existing franchisees.