Fund My Franchise
Personal Term Loans

Personal Term Loans for Franchise Funding

Conventional bank loans aren't always the right fit. When you need fast, flexible capital without pledging collateral, a personal term loan can catapult your franchise to the next level — with minimal paperwork and a fixed monthly payment.

At a Glance

Up to $150K

For Most Qualified Borrowers

5–7 yr

Fixed-Rate Terms

No

Collateral or Down Payment

Unsecured Term Loan

When Conventional Bank Loans
Aren't the Right Fit

Conventional bank loans come with long application processes, heavy documentation, rules about how the capital can be spent, and rejections based on FICO criteria or collateral requirements. Our flexible term loan program is built for franchise start-ups and existing businesses that need something more practical.

You get the capital you need with minimal paperwork, no collateral, and fast funding — structured as a quick influx of capital to catapult your franchise to the next level. Our personal term loan program is powered by Lendzee, our funding partner for unsecured term loans.

Program Benefits

  • Up to $150K for the most qualified borrowers
  • No down payment
  • No collateral
  • 5–7 year terms
  • No restrictions on use of funds
  • No prepayment penalty
  • Fixed interest rates

Qualifications

  • Currently employed
  • 720+ credit score
  • Verifiable income
  • No derogatory remarks on credit

Top industries served: franchises and startups.

Strategic Move

Bridge Loans:
Unlock Bigger Approvals

Most credit applications get declined for one reason: debt-to-credit ratios that are too high. Your total available credit looks good on paper, but your utilization is pulling your score down — and lenders say no.

The fix is a bridge loan. We use a bridge loan to pay your credit card balances down (or off entirely). Your utilization drops, your credit score jumps, and suddenly you fit within bank underwriting guidelines — often unlocking larger approvals at better terms than you'd have qualified for otherwise.

The Math

Lower credit utilization → higher credit score → larger approvals on better terms. It's not a last resort. It's a strategic move many franchise buyers use to maximize total funding.

Fast Path

Same-Day Business Loans
When Speed Matters

Same-day business loans are unsecured term loans with fixed interest rates and fixed monthly payments. No collateral required. This is nota merchant cash advance — it's not connected to your credit card receipts, and there are no daily withdrawals from your merchant or bank account.

The application process is simple and fast. Less-than-perfect credit is OK. You may qualify even if you've only been in business a few months or already have an existing loan. You can repay any time with no fees or penalties to keep interest costs down.

Benefits

  • Qualify for up to $250,000
  • No prepayment penalties
  • Monthly payments — not daily withdrawals
  • Brand new businesses accepted
  • Build business credit

What You'll Need

  • Funding application
  • Business license
  • 2 recent months of business bank statements
  • Voided check
  • Driver's license
  • Not offered in all states

Not sure which personal loan option fits?

Explore how these pair with other franchise funding sources:

SBA LoansUnsecured Credit Lines401(k) Rollover (ROBS)
The Process

From First Call
to Funded

01

Free Consultation

A short call with Al Lesko — review your goals, credit profile, and how much capital you actually need.

02

Soft-Pull Pre-Qualification

We see what you qualify for without impacting your credit score. You'll know real numbers before any hard inquiry.

03

Match & Submit

We match you to the right product — Lendzee term loan, bridge loan, or same-day business loan — and package your application.

04

Funding

Term loans typically fund within a few weeks. Same-day business loans can fund in as little as one business day once documentation is complete.

Got Questions?

Personal Term Loan
Questions Answered

Anything related to your franchise — franchise fees, build-out, equipment, working capital, inventory, hiring, marketing. Lendzee term loans have no restrictions on use of funds.

A term loan is a one-time lump sum with a fixed monthly payment and a fixed payoff date. An unsecured credit line is revolving — you draw as needed and only pay interest on what you use. Term loans are simpler; credit lines are more flexible. Many franchise buyers use both.

No. Lendzee personal term loans are underwritten against your personal profile — employment, income, and credit — not business history. That makes them a strong fit for franchise buyers pre-opening. Same-day business loans work differently and do require bank statements and a business license.

Our initial pre-qualification uses a soft pull — no impact. Once you move forward with an application, there will be a hard inquiry. We'll tell you exactly when that happens and time it to minimize impact.

Most credit applications are declined because debt-to-credit ratios are too high. A bridge loan pays down your credit card balances — your utilization drops, your score jumps, and you qualify for more funding on better terms. It's a strategic move, not a last resort. Learn why borrowing the right way matters in our 6 Benefits of Borrowing Right guide.

Yes — this is how most franchise buyers put their total funding together. A Lendzee term loan can round out an SBA loan, layer with an unsecured credit line, or pair with a 401(k) rollover to hit your total capital requirement.

Go Deeper

Make the Most of a Personal Loan

A personal loan is usually one piece of the stack. These guides cover the rest, and how to protect your credit while you borrow.

Funding GuideFinancing a Franchise: 7 Funding Options ComparedWhere personal loans sit next to SBA, ROBS, and unsecured credit lines, with real dollar ranges and credit thresholds for each.Read it
Credit GuideHow Personal & Business Credit Affects Your FundingThe utilization, inquiry, and account-age rules that decide whether your next loan is approved, and at what rate.Read it
Guides & ToolsAll Fund My Franchise ResourcesThe SBA loan calculator, the fundability quiz, and every in-depth guide in one place.Read it

Ready to See What
You Qualify For?

A free call with Al Lesko — review your situation, pre-qualify with a soft pull, and map out the right personal loan path. No obligation, no credit impact.

Get Your Free Assessment
Free initial consultation
No credit impact
No obligation