FRANCHISE FINANCING
JOE GARGANO
224-536-5481
You’ve known Joe Gargano for years as a trusted leader in franchise financing. Responsive, deeply knowledgeable, and adept at navigating complex transactions, Joe is widely respected for delivering results and providing the kind of service clients remember.
Now at Quail Financial Solutions, Joe has even more resources behind him, including access to more lenders, more products, and more ways to structure the right solution for each opportunity.
From acquisitions and partner buyouts to debt refinancing, remodels, new builds, and franchise financing strategies, Joe helps clients move forward with confidence and clarity.
We Know You Prefer Proven
You chose a franchise structure for your business because it was proven.
For more than 30 years, businesses have chosen Quail for that same reason.
Customized financing options to help you achieve your goals.
- Up to 100% financing
- Approvals in hours, not days
- App only up to $500k
- Flexible terms up to 84 months
- Prefunding options
- SBA loans available
FAST APPROVALS
Timing matters in franchising. When the right opportunity shows up, whether it is a new location, a remodel, or an acquisition, delays can cost you momentum. Faster approvals help you move when the window is open, giving you quicker access to capital so you can make decisions and take action with confidence.
ADVANCE FUNDING OPTIONS
Pre-funding helps bridge the gap when upfront costs stand in the way of progress. By covering deposits or down payments often required by contractors, vendors, or equipment providers, it can help keep build-outs, renovations, and equipment purchases moving forward without unnecessary disruption.
BUILT FOR BIGGER GROWTH
Whether you are opening additional locations, taking on a larger project, or planning multi-unit expansion, access to more capital can make a major difference. With financing available up to $10 million, franchisees have the flexibility to pursue bigger opportunities, support growth plans, and move forward without being limited by traditional capital constraints.
100% FINANCING
Quail can provide up to 100% financing for new builds, remodels, acquisitions, and refinancing, helping franchisees move forward with less upfront capital. For new builds, financing can cover both construction costs and equipment, making it easier to launch, expand, or improve a location without a major out-of-pocket investment.
FLEXIBILITY TO FIT YOUR BUSINESS
Repayment terms should match the realities of your operation, not force you into a one-size-fits-all structure. Quail offers flexible terms, typically ranging from 3 to 7 years, along with customized options such as seasonal payments for franchise businesses with cyclical cash flow.
APP ONLY UP TO $500k
Franchise Financing FAQ
What financing options are available?
Repayment terms should match the realities of your operation, not force you into a one-size-fits-all structure. Quail offers flexible terms, typically ranging from 3 to 7 years, along with customized options such as seasonal payments for franchise businesses with cyclical cash flow.
Are there programs for first-time franchisees?
While our primary focus is on experienced operators with at least two years of business history, we also work with first-time franchisees who demonstrate strong financial qualifications and operational readiness. We often support these opportunities through SBA-backed programs, helping make franchise ownership more accessible for well-prepared candidates.
Will financing require me to pledge my home or other personal assets as collateral?
No. In most cases, financing is secured by business assets and a personal guaranty, not your home or other personal collateral. Requirements can vary by program and credit profile, and if additional collateral is needed, we will explain that upfront so there are no surprises.