Multi-unit franchisee
Art Wrightson
ApplePie has a consultative approach and the franchise experience.
Franchisees from 200+ brands trust ApplePie Capital
WHY APPLEPIE CAPITAL
Guided franchise financing
Let us walk you through the process
You’re looking to open your first franchise. Just focus on your business and we’ll guide you through the financing.
Open your franchise sooner
Increase your speed to funding with loan options that decrease paperwork, disbursement delays, and help you open on time.
Get flexible collateral options
Skip the personal collateral. Instead, get loan options based on your credit score and predicted revenue for qualified brands.
Let’s make a plan to fast track your growth
You’ve already begun your franchise empire. Now let’s help you grow faster than you thought possible.
More efficient multi unit rollouts
With our Recap & Grow strategy, you can borrow against the equity in your existing business to free up capital for your next project.
Streamline your finances
Get everything you need faster and easier from one lender, specialized in franchise financing.
Art Wrightson
Multi-Unit Franchisee
100% ApplePie
All unit financing secured by ApplePie Capital
6
unit footprint
Choose your best fit capital
We offer a proprietary conventional loan alongside a network of lending partners so you can maximize your choice.
SELECT YOUR GOALs
New units
Tap to choose this goal
Goal selected
Whether you’re looking to open your first unit or your fiftieth, we can quickly help provide the financing you need, with multi-unit commitment options.
Recapitalize
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Goal selected
With our Recap & Grow strategy, you can borrow against the equity in your existing business to free up capital for your next project.
Remodel or refresh
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Goal selected
When it’s time to remodel, avoid paying money out of pocket and enjoy fixed monthly payments over the life of the loan.
Refinancings
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Goal selected
Refinance your debt to 'get your house back', free up collateral to open additional units, or consolidate your debt with one lender.
Acquisitions
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Goal selected
Looking to acquire an existing franchise business? We can quickly help identify the financing option that makes the most sense for you.
Equipment financing
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Goal selected
We offer funding options for equipment with no personal collateral requirements, along with several application-only programs.
Loan features
Max funding per loan
Max funding lifetime
Downpayment
Amortizations
Interest rate
Personal collateral
Underwriting
Disbursement
ApplePie
Core Loan
Proprietary conventional
For qualified brands
Preferred
$5M
$20M
15 - 20%
Up to 10 years
Fixed
Never
Franchise-friendly
Lump sum
ApplePie
Spring Loan
Conventional & SBA hybrid
For qualified brands
$5M
$5M
15%
Up to 10 years
Fixed or Variable
Never
Franchise-friendly
Flexible options
SBA 7(A)
Loan
Network lenders
Almost all brands
$5M
$5M
10%
Up to 10 years
Variable*
Often*
Standard
Delayed**
Equipment / Remodel Loan
Network lenders
Almost all brands
$350K
N/A
0$
Up to 72 months
N/A
Never
Standard
Lump sum
*Most SBA loans are variable with cross collateralization, but not all.
**Delayed until after submission of vendor estimates/project paperwork.
TESTIMONIAL
WEBINAR
The Pros + Cons of Refinancing for Franchise Growth
In this webinar Randy Jones, ApplePie’s Chief Revenue & Lending Solutions Officer discusses the following: - The pros and cons of refinancing & If refinancing right for you - How a recapitalization loan can help you grow - Eliminating balloon payments - What qualifications lenders are looking for - What questions you should be asking your lender - How to evaluate your options based on your growth objectives - How your financial presentations change a valuation or a lenders opinion
TESTIMONIAL
WEBINAR
Empire Builders: With Multi-Unit Franchisees Lisa Schiller & Antonio McBroom
This educational webinar series features insights from successful franchisee "empire builders" who have encountered and overcome the same challenges you face in scaling your business. This webinar includes an IFA update at the beginning
TESTIMONIAL
WEBINAR
Empire Builders: With Multi-Unit Franchisees Charles D'Amico & Art Wrightson
This educational webinar series features insights from successful franchisee "empire builders" who have encountered and overcome the same challenges you face in scaling your business.
TESTIMONIAL
WEBINAR
Empire Builders: With Multi-Unit Franchisee Jiger Patel
This educational webinar series features insights from successful franchisee "empire builders" who have encountered and overcome the same challenges you face in scaling your business.
TESTIMONIAL
WEBINAR
Einstein Bros. Bagels Franchisee Testimonial for ApplePie Capital
Robb Sackett talks about his experience with ApplePie Capital and how their consultative approach helped them secure financing for the 3 stores they wanted to roll out in two years.
TESTIMONIAL
WEBINAR
Why exceptional brands choose ApplePie
Why exceptional brands looking to accelerate growth and simplify financing for their franchisees choose ApplePie as a capital markets partner.
TESTIMONIAL
WEBINAR
The Fundamentals of Franchise Insurance
ApplePie’s Ron Feldman and Intrepid Direct’s Alex Whittit talk about what franchisees need to know in order to effectively manage the costs associated with their business insurance premiums. In this webinar they will illustrate learn how to: Better understand your current policy / Manage risk and exposures more effectively / Negotiate a policy that better fits the needs of your business / Save time and money as a result
TESTIMONIAL
WEBINAR
American Family Care Franchisee Testimonial for ApplePie Capital
Amin Aeini, a multi-unit franchisee owner from American Family Care, speaks about his experience with working with ApplePie Capital and the challenges franchisees face today that ApplePie can help with.
TESTIMONIAL
WEBINAR
Jimmy John's Franchisee Testimonial for ApplePie Capital
Robb Sackett talks about his experience with ApplePie Capital and how their consultative approach helped them secure financing for the 3 stores they wanted to roll out in two years.
TESTIMONIAL
WEBINAR
The ApplePie Spring Loan
Accelerate the opening of your next location and eliminate the headaches of SBA new unit financing with the ApplePie Spring Loan! For select brands.
TESTIMONIAL
WEBINAR
Recap & Grow
Learn how existing franchisees can use the equity embedded within their business to recapitalize and access the funds needed for growth. With Recap & Grow, franchisees can potentially open new units or acquire existing units, with no cash out of pocket!
TESTIMONIAL
WEBINAR
The Financing Fran Prix
Exceptional brands and their franchisees choose ApplePie as a capital markets partner & trusted pit crew. We simplify financing and accelerate growth.
TESTIMONIAL
WEBINAR
Why franchisors and franchisees choose ApplePie Capital
Hear firsthand why leading franchise brands like Urban Air and American Family Care choose to partner with ApplePie as a financing provider for their franchisees.
TESTIMONIAL
WEBINAR
ApplePie: Plant the seeds for your franchise success
ApplePie Capital is a nationwide financing partner that focuses exclusively on franchising and helping franchisees like you find exactly the right capital, from across our diverse network of lending partners. Our process is powered by modern technology, and backed by years of deep franchising expertise you’re not likely to find at just any lender. With just ONE simple online application we’ll guide you to the best loan options for your franchise, whether you’re a first-time franchisee, growing multi-unit operator, or farming your franchise wealth.
For every stage of growth
WEBINAR
Einstein Bros. Bagels Franchisee Testimonial for ApplePie Capital
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WEBINAR
Why exceptional brands choose ApplePie
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WEBINAR
The Fundamentals of Franchise Insurance
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WEBINAR
Empire Builders: With Multi-Unit Franchisee Jiger Patel
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WEBINAR
American Family Care Franchisee Testimonial for ApplePie Capital
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WEBINAR
Jimmy John's Franchisee Testimonial for ApplePie Capital
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WEBINAR
The Pros + Cons of Refinancing for Franchise Growth
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WEBINAR
Empire Builders: With Multi-Unit Franchisees Charles D'Amico & Art Wrightson
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WEBINAR
Empire Builders: With Multi-Unit Franchisees Lisa Schiller & Antonio McBroom
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation.
WEBINAR
The ApplePie Spring Loan
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WEBINAR
Recap & Grow
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WEBINAR
The Financing Fran Prix
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation.
WEBINAR
Why franchisors and franchisees choose ApplePie Capital
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation.
WEBINAR
ApplePie: Plant the seeds for your franchise success
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation.
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Share your objectives
Provide your basic information and our expert relationship managers will help you create a plan.
Get pre-approved in days
See what loan terms you qualify for in a pre-approval based on preliminary information you submit.
Obtain a commitment
Lock in your final terms and interest rates with finalized documentation related to your project.
Close your loan
Provide final signatures and access your funds. Our team will guide you every step of the way.
Ask us anything
Can I obtain financing for a non-franchise business?
ApplePie is exclusively focused on franchise businesses except for equipment financing for a few select industries and vendor referral programs.
Can I obtain financing if my franchisor is not currently a partner of ApplePie Capital?
Yes, ApplePie may be able to provide financing for certain qualified brands that are not currently partners. If you contact us with information on the brand you are interested in, we will work quickly to see if they qualify. Contact us to get started.
What’s the minimum amount I can borrow?
For qualified borrowers, our loans for new units, refinances, recapitalizations, remodels, and acquisitions start at $100k. For equipment financing, loans can start at $15k.
What are the interest rates and loan origination fees?
Interest rates and loan origination fees are charged by lenders in our network, and each lender independently determines interest rates and origination fees. Interest rates and origination fees will be outlined in detail as options are presented to you in the loan selection process.
Based on our experience, interest rates and fees vary based on a number of factors, including, but not limited to, the type of loan (ApplePie Core, SBA, or conventional), the use of funds, the brand's historical performance, your experience and credit history, and business performance if the loan is on an existing unit.
Our relationship managers can quickly provide you with your financing options. Start the online pre-approval process now.
What if I haven't signed a franchise agreement yet or don't have a location?
No problem, we often work with clients who are early in their process. You can submit an inquiry to determine what your financing options might be before you sign a franchise agreement or if you have signed an agreement but have not yet found a location yet.
What are the key steps to your process? What do I need to get started?
After you complete a short inquiry online, ApplePie will work to determine your eligibility, usually within a matter of days. From there, if you are qualified, we typically provide a non-binding proposal letter with key terms and then after further information collection, a commitment letter with binding terms.
The initial online inquiry will cover basic personal and business information such as personal and business tax returns (if applicable).
How does closing work?
Once a loan is approved, you'll receive a detailed checklist from our closing team detailing what documents or information will be needed to fund your loan. Some of the key documents needed are:
- Bank and brokerage statements
- Legal entity information
- Business Tax ID #
- Project Cost Invoices
- Business bank account info
- Lease (executed)
- Franchise Agreement (executed)
- Business liability insurance
- Property insurance
- Life Insurance (if applicable)
Will I need to pledge personal collateral?
ApplePie Core loans only require a personal guarantee and do not require you to pledge any personal collateral. SBA loans will require personal collateral.
What are the terms?
ApplePie Core loans feature a variety of term/amortization choices, from 60-120 months. SBA loans may vary on terms depending on the bank partner, but are most typically 120 months.
What costs can be included in the loan?
ApplePie Core loans are designed to include many costs associated with a new unit buildout including the franchise fee, construction buildout costs, equipment, inventory, and working capital.
Are there any prepayment penalties?
There are generally no prepayment penalties for ApplePie Core loans. Specific loan details or covenants can vary based on individual circumstances.
Can the loan include real estate?
ApplePie Core loans do not include real estate, however we have several SBA lending partners who can provide real estate loan options.
