Funding scenario
Opening the next franchise unit
Unit one works. Funding unit two is a different file — franchise fee, fit-out, and enough working capital to reach break-even.
The second unit is the honest test of a franchise: the first proves the model works with you standing in it; the second proves the model works. Funding it is a composite bill — franchise fee, deposits, fit-out, launch stock, and enough working capital to survive the ramp to break-even.
Franchise lending is where this shelf is most at home. Franchisees stepping into validated models bring the brand's operating history to the file, not just their own — unit economics a lender can actually read.
Fund the whole ramp, not just the fee. The most common failure isn't the loan being refused — it's the loan covering the fee and fit-out, and the unit starving in month three.
What usually goes wrong
Not a scare list — the mistakes most often made in this moment, so you can skip them.
- Budgeting the franchise fee and fit-out but not the months of operating losses before break-even.
- Signing the lease before the sanction — then negotiating financing with the rent clock running.
- Mixing unit one's cash into unit two's build, leaving both units underfunded.
- Treating the brand's best unit as your base-case projection.
Products that usually fit this moment
From the live shelf. Every band is illustrative — a published range, never a lender quote — and Ojas Loans is a lending service provider, is never the lender, and has no lender empanelled today.
Franchise
Franchise funding built around the brand's unit economics — the shelf's signature family for franchisees.
Term
A business term loan covers fit-out and launch capex on a multi-year repayment matched to the unit's ramp.
Know your paperwork early
Every product page lists the exact documents by entity type — proprietorship, partnership, private limited, LLP. Pull the checklist before you talk to anyone; a complete file is the single biggest timeline saver.
Questions founders ask
Does stepping into an established franchise model help the file?
Yes — a validated model with existing unit economics gives the lender more to underwrite than a cold start. It's still your file though: your vintage, statements, and contribution matter.
How much of the project cost can be borrowed?
Lenders expect meaningful promoter contribution — plan for a substantial share of the project from your side. The exact split is set in underwriting, not by us.
Should working capital be part of the same loan?
Often yes, as a composite sanction; sometimes a separate line works better. A consultant can size it against the unit's ramp rather than one-size-fits-all.
Ready when you are
A two-minute enquiry, and a consultant reads it and says which family of credit fits and what to assemble. No sanction is promised: no lender is empanelled with Ojas Loans, and Ojas is never the lender.
Talk it throughTry the free checker