Franchise Financing Built on 30+ Years of Proven Experience
For more than 30 years, Quail Financial Solutions has helped franchise owners open new locations, complete remodels, and refinance debt.
Program Highlights
- Up to 100% financing available
- Approvals in hours, not days
- App-only up to $500,000
- Flexible terms up to 84 months
- Prefunding options available
- SBA loans available
- Up to $10M for larger projects
Franchise Financing Options For The Most Successful Brands
Why Quail
Financing designed around franchise growth
Fast Approvals
Timing matters in franchising. When the right opportunity shows up, faster approvals mean you can move while the window is still open.
Advance Funding Options
Prefunding covers deposits and down payments before your own capital arrives, keeping build-outs and equipment orders on schedule.
Built for Bigger Growth
Financing up to $10 million supports multi-unit expansion and larger projects without traditional capital constraints.
100% Financing
New builds, remodels, acquisitions, and refinancing — financed up to 100%, with construction costs and equipment both covered.
Flexibility to Fit Your Business
Terms typically run 3 to 7 years, with customized options like seasonal payments for franchise businesses with cyclical cash flow.
App-Only Up to $500K
A simple one-page application, no added financial statements — move quickly to secure capital and stay focused on the business.
Built for Your Stage
Financing Built for Where You Are
Whether you're opening your first location or your fifteenth, we structure financing around your stage of growth.
New Franchisee
- App-only up to $500,000
- SBA loans available
- Flexible terms up to 84 months
- Prefunding covers deposits and down payments before your own capital arrives
Existing Franchisee
- 100% financing available for remodels and refinancing
- Fast approvals — hours, not days
- Flexible terms, including seasonal payment structures
Multi-Unit / Growing Franchisee
- Financing available up to $10 million
- Built for multi-unit expansion and larger projects
- Debt refinancing and partner buyout support
Our Team
Fast decisions from underwriters who understand franchising
Our underwriting team is business-minded and efficient. They understand the pace of franchise growth, evaluate opportunities on their merits, and work to structure solutions that enable you to move forward — without delay. When you reach out, Joe connects you directly to that process.
How We Work
Joe Gargano
Franchise Financing Lead
Your Point of Contact
Responsive, knowledgeable and deeply experienced in franchise transactions, Joe Gargano helps franchise owners move financing conversations forward with clarity and confidence.
From acquisitions and partner buyouts to remodels, new builds and debt refinancing, Joe can help you get oriented quickly and connect you with the right financing solution.
224-536-5481 Start an ApplicationHow It Works
Three steps from application to funding
Apply
One page, minutes to complete.
Review
Our team reviews quickly. Joe keeps you informed every step.
Fund
Approvals in hours, not days.
FAQ
Common questions answered
Options include acquisition loans, partner buyouts, remodels, new builds, and debt refinancing, with terms typically running 3 to 7 years. SBA-backed programs are also available for qualifying franchisees, along with customized structures like seasonal payments for cyclical cash flow.
Our primary focus is experienced operators with at least two years of business history, but we also work with first-time franchisees who show strong financial qualifications and operational readiness — often through SBA-backed programs that make franchise ownership more accessible.
No. In most cases, financing is secured by business assets and a personal guaranty, not your home or other personal collateral. Requirements vary by program and credit profile — if additional collateral is ever needed, we'll explain that upfront, with no surprises.
Get Started
Apply in minutes
One simple page. No financial statements required for requests up to $500K. Joe will be in touch the same day.
Prefer to call? Reach Joe directly at 224-536-5481
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.