Owning a franchise business requires fast financing and access to working capital when you need it the most! Whether you require cash for inventory, equipment, remodeling, or additional locations, financing is often essential to the survival of your franchise. Accessing capital through small business loans and equipment leasing has become increasingly difficult. Many business owners cannot get the financing they need from banks. We provide simple financing solutions for franchise owners and small businesses.

Upstream and it’s partners have funded millions of dollars to some of America’s most successful franchises. We understand the inner workings of a franchisee and franchisor relationship, which helps to us to provide funding quickly and with the highest approval amounts. If you own a franchise and want to build a relationship with a merchant cash advance company that will provide the funds you need with the quality of service that you expect, then Upstream is your partner!

We understand the cost of opening a new franchise location, from staffing to remodeling expenses. Small business loans help franchise owners pay for upfront capital expenses such as furniture and equipment so they can set up and grow their existing franchises. We are a quick, convenient way to stay current on requests for remodeling, staffing, and other expenses involved with owning a franchise like royalties, equipment purchases, expansions, promotions, and much more.

There’s more cost than one might think when owning a franchise, and we help lighten the burden of the bills, to help keep your profit growing while you grow your business. Franchise fees, mandatory advertising campaigns, and training expenses for staff can result in constant increased business funding requirements.

Here’s a look at some of the franchises Upstream and our partners have had great success with:

Restaurants:  Subway, Domino’s, Papa John’s, Dairy Queen, Burger King, Golden Corral, KFC, Little Caesars, Taco Bell, Baskin Robin, IHOP, Pita Pit, Arby’s, Wendy’s, McDonalds, Cici’s Pizza

Auto Industry:  Aamco, Maaco, Meineke, Midas

Personal Service:  Massage Envy, Regal Nails

Business Services:  Fast Signs, UPS,

Coffee Shops:  Dunkin Donuts

Hotels:  Days Inn, Country Inn & Suites, La Quinta Inn & Suites, Comfort Inn, Holiday Inn, Howard Johnson, Knights Inn, Quality Inn, Super 8, Hampton Inn

Gyms/Fitness:  Powerhouse Gym, Golds Gym, Anytime Fitness, Planet Fitness, Curves

Grocery Franchises: Food Giant

Upstream has helped franchises with business financing for all sorts of uses. Whether you want to open a new location or just weather a storm, we are the company that will stand by you and help you grow. Fill out the quick contact form or call us today and we will be able to answer all of your questions and walk you through the process of getting started.

Franchise Loans Vs. Business Cash Advances

Business cash advances are a perfect franchise loan alternative providing working capital based on future credit cards sales. Unlike an unsecured franchise loan, cash advances for franchises have a simple and affordable repayment process. The collection method of using automatic deductions at a fixed percentage from merchants’ credit card receivables makes merchant cash advances a convenient form of business financing.

To qualify for a merchant cash advance, your franchise must process at least $3,000 per month in credit card sales. Whether you need a large amount of financing to buy an additional location, or a small amount to purchase inventory, you can be pre-approved for a cash advance within 24 hours.

Upstream is here to help you find the exact financing solution to fit your needs. Our dedicated Business Advisors are with you at every step, making the process fast and easy. Here are just a few benefits of working with us:

Flexible Repayments

Repayments are based on a percentage of daily credit card sales, so we only make money when you make money

Fast Approval

Apply online or over the phone in minutes, get approved in a few hours and access funds in as fast as one day!

Financing Now

Get up to 250% of your monthly credit card sales volume in one lump sum to take care of the things you need for your business.

Apply Now!

Need Funding for your Franchise Business?

Get flexible, fast funding solutions to meet your needs, including:

Purchase Equipment
Hire Skilled Professionals
Inventory Purchase

Get funded in 3 Easy Steps

In just three easy steps, you can access the right financing solution for your business. Our application and approval process will allow you enough time, effort and energy to focus on what matters to you the most- your business!


Complete the form

Click here to request a free quote, and an Account Executive will contact you shortly after to discuss your options.


Get approved in 24 hours

Our streamlined application process allows us to provide you with a decision within 24 hours


Receive funds in 3 days!

Once approved, it’s an easy transition. You can expect the funds to be deposited into your account in just 3 days!


Avoid the brokers and “middlemen” fees:

You won’t have to worry about extra expenses. You can put your resources towards the most important initiatives for your business.

Avoid having your credit run multiple times:

No matter what your credit score, we offer cash advances with just a single credit run.

Build a real relationship:

Work directly with a dedicated Funding Manager that will help you design a creative and customized plan based on your business needs.

Almost all business types and industries are accepted:

There is virtually no limit to the type of business we work with.

No collateral or personal guarantee required:

You can get the funding you need without the worry of placing your personal property or assets at risk.

Near instant approval:

With minimal documentation necessary, you receive your funding much faster than a bank loan so you can get back to building your business.

What do you need to Qualify

3+ months in business

$10,000/ Month Gross Sales

Completed Application

Apply Now!

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