Franchise Loans

United Community Bank has an experienced team devoted to the needs of the franchise community. We work with franchisors and franchisees to cover all aspects of the franchise lending process in order to help our local communities grow through the presence of strong small businesses. We lend anywhere in the United States and close loans quickly so you can maintain a competitive edge.

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  • We work with the franchisor to develop a concept-specific lending programs that meets franchisees' needs
  • Our lending program approach and business unit structure enable us to adapt quickly to changes in a transaction
  • We plan, anticipate and coordinate all factors of the loan in order to close quickly
  • We have preferred lender status with many national and regional concepts
  • We will finance first stores as well as multi-store owners
  • Personal guarantee may not be necessary for owners with less than 20% interest
  • Loan sizes from $150,000 to $10,000,000
  • Equity injection as low as 10% (real estate); 15% (leasehold improvements)
  • Current affiliated operations must adequately service existing debt
  • Projection based cash flow analysis for all new and first time locations
  • Equipment loan terms up to 10 years; Real Estate up to 25 years
This is the transcript of the video below. Justin Church (Owner, Church Restaurant Concepts, LLC): Every single one of our biscuits are made from scratch. We get there anywhere between three-thirty and four in the morning, so by five o’clock you have all the biscuits made. Everything is ready to go for our morning rush. Justin Church: My dad has owned a number of convenience stores throughout the years and we had over seventy-five restaurant franchises. When I started off, I was in college and I worked for minimum wage at my dad’s store taking out the trash, cleaning, doing the dishes, and then once I got to the managerial level I knew that this was something that I could make a career and be successful at. Frank Gallagher (SVP, SBA Manager Franchise Lending, United Community Bank): Justin was an ideal small business loan applicant. He’s smart, organized, a real hard-worker. He chose a well-known established franchise and he has great experience not only as an employee but as a manager and an owner of another franchise. Justin Church: After deciding on Bojangles, we had to figure out how we were going to find all the equipment, the building, the construction, the small wares, everything that goes into making it a restaurant. We weren’t originally thinking about doing an SBA loan but after looking into it some more and talking to United Community Bank we looked and saw how simple it could be. Frank Gallagher: We have a novel approach to lending. We have the resources of a large national bank but we have a small community bank feel. Our SBA lending department is devoted to SBA only. Furthermore, we specialize in industry groups. We handle franchise lending. We know the concepts. We know what they look for in a borrower or a franchisee. We understand their location process. We understanding the licensing and the challenges that a franchise owner really encounters throughout the entire process. Rich Bradshaw (President, Specialized Lending, United Community Bank): We really are a community bank at heart. We really are the bank that service built. We do have many products that are specifically designed for small business, and that really is a big focus of the bank. Justin Church: So now that we’re open, we’ve got over a hundred employees and we’re selling over a thousand biscuits a day. It’s the start of a dream come true. We had a vision to develop the territory and it started off with this first restaurant. If we can start every one of our customer’s mornings off with a smile, then that’s our goal. And United Community Bank has helped get us there.

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