Franchise Financing Options Beyond the SBA Loan

Lucas and Luna dig into the real-world financing strategies franchisees use beyond the standard SBA 7(a) loan. They walk through the numbers on a recent 15-unit Jimmy John's deal funded with a combination of seller financing, an equipment lease line, and a minority equity partner. Then they contrast it with a single-unit franchisee who used a 401(k) rollover — the 'ROBS' structure — and the hidden costs there. The conversation covers interest rate spreads, typical loan-to-value ratios, and why multi-unit operators often use a holding company to separate real estate from operations. No general advice — just two specific deals and the math behind them. #FranchiseFinancing #SBA504 #SellerFinancing #ROBS #JimmyJohns #MultiUnitFranchisee #FranchiseLending #BusinessFinance #FranchiseCapital #EquipmentLeasing #PrivateEquity #FranchiseGrowth #FranchiseConversations #FexingoBusiness #BusinessPodcast #FranchiseIndustry #SmallBusinessLending #FranchiseDeal Keep every episode free: buymeacoffee.com/fexingo