Franchise Loan Calculator
Last updated: October 15, 2026
Estimate franchise financing payments, owner cash contribution and total borrowing cost.
Estimated monthly franchise-loan payment
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- Estimated loan amount: —
- Estimated total interest: —
- Estimated total loan payments: —
- Owner cash as % of project cost: —
On this page
Quick summary: Estimate franchise financing payments, owner cash contribution and total borrowing cost.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate franchise financing payments, owner cash contribution and total borrowing cost.
How to use it
Enter Total franchise project cost ($); Owner cash contribution ($); Grants or other credits ($); Financed lender and guarantee fees ($); Annual interest rate (%); Loan term (years). Select Calculate to update the results.
How the calculation works
The estimated loan amount is total project cost less owner cash and other credits, plus financed loan fees. The monthly payment uses fixed-rate amortization.
Worked example: starting scenario
| Total franchise project cost ($) | 450000 |
|---|---|
| Owner cash contribution ($) | 90000 |
| Grants or other credits ($) | 10000 |
| Financed lender and guarantee fees ($) | 12500 |
| Annual interest rate (%) | 10.25 |
| Loan term (years) | 10 |
| Estimated monthly franchise-loan payment | $4,840.79 |
|---|---|
| Estimated loan amount | $362,500.00 |
| Estimated total interest | $218,394.66 |
| Estimated total loan payments | $580,894.66 |
| Owner cash as % of project cost | 20% |
Important limitations
Franchise approval, SBA eligibility, collateral, working capital, royalties, guarantees, fees, rates and loan structures vary. This is not a financing commitment.