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ClearValue Lending

297 franchise brands

Franchise Cost & Financing Guides

Total investment breakdowns and SBA financing walkthroughs for the most popular franchise brands. Broker-side perspective — no spin, no affiliate placement pressure.

◆ ClearValue editorial analysis

Why financing is the real bottleneck for new franchisees

Franchising keeps growing faster than most franchisees' cash on hand: IFA's 2026 Franchising Economic Outlook (produced with FRANdata) projects 845,000 U.S. franchise establishments in 2026, up from 832,521 in 2025 — a 1.5% increase, with the sector projected to contribute $558.4 billion to U.S. GDP this year.

That growth runs through the same lender pipeline every other small business borrows from: SBA guaranteed 77,600 7(a) loans and 6,750 504 loans in FY2025 (Oct 2024–Sep 2025) — 84,400 loans totaling $44.8 billion combined, the most capital the agency has delivered to small businesses in a single fiscal year. A first-time franchisee competes for that same capital pool, which is why the cost-to-start and financing breakdowns below are built per-brand rather than as one generic franchise-loan page.

Primary sources: International Franchise Association — 2026 Franchising Economic Outlook (franchise.org) · SBA — FY2025 record lending announcement (legacy.sba.gov)

Analysis by the ClearValue Editorial Team, applying our published scoring methodology.

This analysis combines cited public data (Federal Reserve, FDIC, FTC, CFPB, SBA/USDA, NAIC, ICI, BLS) with ClearValue's own cost math and category comparison — it is not proprietary ClearValue portfolio data. Rates, APYs, fees, and program terms move; figures carry an as-of date and you should verify current numbers at the linked primary sources and with the provider before deciding. Educational information, not financial, legal, or tax advice.

1

1 800 Got Junk

E

Edible Arrangements

Elements Massage

Engineering For Kids

Express Employment Professionals

Express Oil Change

G

Glass Doctor

Goddard School

Golden Corral

Goldfish Swim School

Great American Cookies

H

Haagen Dazs Shop

Hand And Stone Massage

Holiday Inn Express

Home Instead

Honey Baked Ham

Hungry Howies

Huntington Learning Center

Hwy 55 Burgers Shakes Fries

L

La Petite Academy

Le Macaron French Pastries

Lemon Tree Hair Salons

Lennys Sub Shop

Long John Silvers

N

Newks Eatery

Nothing Bundt Cakes

O

Office Pride

One Hour Heating Air

Orangetheory

Original Pancake House

R

Rainbow Restoration

Right At Home

Ritas Italian Ice

Rnr Tire Express

Romanos Macaroni Grill

Roosters Mens Grooming Center

Round Table Pizza

T

V

Valvoline Instant Oil Change

Visiting Angels

Y

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