Franchises
Working capital for
franchisees.
Fund remodels, equipment refreshes, and multi-unit expansion plans aligned with your franchisor's timeline. Working capital up to $5M sized to multi-unit revenue concentration.
- Up to $5M
- No hard credit check
- Same-day decisions
- All 50 states
Funding franchisees
How PIRS funds franchisees.
Franchise operators run on two clocks: the unit's revenue cycle and the franchisor's requirements calendar. Required remodels, image refreshes, and equipment upgrades arrive on a timeline you didn't pick, and missing them isn't optional.
PIRS structures around both. We're familiar with franchisor requirement cycles, multi-unit revenue concentration, and the cash rhythm between royalty payments and supplier invoices. Funding is sized to the unit count and the work the franchisor needs done.
The franchisor sets the deadline, we set the timing. We fund the working-capital gap in between.
Common use cases
What franchisees operators actually use working capital for.
Drawn from real PIRS-funded files across the category.
Franchisor-required remodels & image refreshes
Fund mandated remodels, signage updates, and equipment upgrades on the timeline the franchisor has set.
New unit openings & multi-unit expansion
Capital for build-outs, training, FF&E, and pre-opening marketing for additional locations within your system.
Working capital between royalty cycles
Cover the gap between royalty payments, supplier invoices, and weekly deposits.
Grand-opening & re-opening marketing
Drive traffic to new units or freshly remodeled locations with paid acquisition and local-market campaigns.
Hiring & training before peak seasons
Onboard staff ahead of summer, holiday, or back-to-school ramps so the unit isn't understaffed when it matters.
Buyouts of additional units in the system
Acquire neighboring units from a retiring operator or scale into adjacent territories within the same brand.
Why PIRS
Why franchisees operators choose PIRS.
Underwriting tuned to how your category actually earns, not a generic credit box.
Familiar with franchisor timelines
Required remodels are time-sensitive. We structure approvals and disbursement around the deadlines the franchisor has imposed.
Sized to multi-unit concentration
Structures account for revenue spread across multiple units. Concentration risk is something we plan around, not something that disqualifies you.
Subordination flexibility
Existing SBA loans, equipment financing, or a prior advance don't auto-decline a strong file. We structure around your stack.
Renewal-friendly for repeat expansion
Most franchisees come back. Renewal capital is structured around your expansion roadmap, not a hard reset.
A note on eligibility
A few sub-segments aren't eligible.
We say no up front. It saves everyone time.
- Gas-station franchises (e.g., 7-Eleven, Sunoco) are not eligible.
- Convenience-store franchises are not eligible.
- Supermarket-format franchises are not eligible.
- Motor-vehicle-sales franchises are not eligible.
Questions we hear most
Franchises: what operators ask first.
Can a franchisee use working capital for a required remodel?
Do you fund multi-unit franchisees?
Which franchise categories are excluded?
I have an SBA loan. Can I still get working capital?
Can I use the funds to open a new unit?
Adjacent verticals
Other industries we fund.
Many operators run businesses that straddle categories. Here are a few we underwrite alongside this one.
- BBB A+ Accredited
- Trustpilot
Working capital built for franchisees.
Apply in minutes for a soft offer with no hard credit check. A real person works your franchisees file from start to finish.