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Starting your journey as a franchisee can be an exciting leap into entrepreneurship but it’s also one that requires careful financial planning. Securing the right funding is often one of the biggest hurdles for first-time franchisees, and understanding your options early can make the process smoother, faster, and less stressful.
Here’s a practical guide to help first-time franchisees understand funding essentials and get set up for success.
Before applying for finance, it’s crucial to have a clear picture of how much capital you need — and for what purpose. Your chosen franchisor will likely provide a breakdown of setup costs but take the time to build your own financial picture.
Key costs to consider:
Tip: Barclays Franchise Team recommends preparing a detailed cash flow forecast for at least the first 36 months of trading. This gives both you and your lender visibility of how the business will perform financially in the early stages.
Franchisees usually fund their business through a mix of personal capital and external finance. Understanding your options helps you decide what’s right for your situation.
Common finance sources:
Tip: A dedicated franchise lending proposition, like the one offered by Barclays, means the bank already understands the model and risks – which can speed up approval.
Your business plan isn’t just for the bank – it’s your roadmap to success. Lenders will use it to assess your credibility, the strength of the franchise brand, and the viability of the business.
A strong business plan should include:
Tip: If you’re working with Barclays, their franchise specialists can guide you through structuring your business plan for finance approval.
Lenders want to see that you’re well-prepared, committed, and understand your financial responsibilities. Expect to provide:
What banks look for:
Tip: Choosing an established franchise brand with a proven track record significantly strengthens your case – and many lenders, including Barclays, maintain accredited brand lists to streamline this.
It’s easy to focus only on getting the doors open — but planning for the medium term is just as important. Ensure your funding provides enough working capital to sustain you while the business builds traction.
Questions to ask yourself:
Tip: Ask your lender about flexible repayment structures – for instance, interest-only periods during ramp-up. Barclays offers this as part of their tailored franchise support.
Starting a franchise can be one of the most rewarding moves in your career – but only if your funding is on solid ground. Take the time to plan properly, work with trusted partners, and don’t be afraid to ask for advice.
The Barclays Franchise Team supports hundreds of franchisees across the UK, helping them get finance-ready and supporting growth from day one. If you're exploring your options, we’re here to help.