Franchise Finance
Strategic financing for multi-unit operators looking to scale
We deliver flexible, strategic financing solutions and hands-on support to help you scale your portfolio efficiently and successfully.
Experienced leadership
With a fifth-generation banker at the helm, our leadership is deeply involved in day-to-day operations, reassuring our commitment to your success.
Tailored financing solutions
We understand the complexities of multi-unit operations and offer customized lending structures tailored to your unique needs.
Scalable and responsive
We’re large enough to support your expansion, yet nimble enough to provide high-touch service when you need it most.
Comprehensive Franchise Finance solutions
Explore the tailored financial solutions we offer to support your franchise's growth:
Acquisition and growth capital
Flexible financing options designed to help multi-unit operators acquire new locations, expand into new markets and accelerate growth.
Remodel financing
Upgrade and refresh your locations with financing that supports reimaging, brand updates and facility improvements to keep your restaurants thriving.
Recapitalization strategies
Restructure existing debt or unlock equity to strengthen your capital position, improve financial performance and support long-term stability.
Real estate and enterprise value lending
Secure financing for property acquisition or leverage the value of your portfolio to fund future development and strategic investments.
Beyond lending
Take advantage of a full suite of banking solutions such as treasury management, wealth management and retirement plan services to improve efficiency and plan for the future.
Ready to expand with confidence?
Start your relationship with UMB today and unlock the financial solutions to help you drive success for your business.
Questions about franchise finance? UMB has answers.
Franchise financing provides the capital you need to open, acquire, remodel or expand franchise locations. At UMB, our franchise finance specialists design custom lending solutions for multi-unit franchise owners—helping you access the funding and financial tools you need to grow with confidence.
UMB specializes in financing for quick-service restaurants (QSR) and casual dining franchise operators. Our team understands the unique financial needs of multi-unit restaurant owners. From managing remodel cycles to funding new store development, we can provide tailored solutions to help you grow your business efficiently and sustainably.
Our team offers a full range of financing options to meet your unique business goals, including:
- Acquisition and growth capital for expanding your footprint
- Remodel and reimage financing for updating existing units
- Recapitalization strategies to optimize your balance sheet
- Real estate and enterprise value lending to support your long-term goals
Instead of a one-size-fits-all approach, UMB delivers personalized service, deep franchise industry expertise and flexible lending structures. Our relationship-driven approach means you’ll work directly with bankers who understand your brand, your challenges and your growth strategy.
We support a wide range of operators from growing multi-unit franchisees to larger, established operators. Whether you’re financing a few new locations or need a complex syndicated facility, our strong balance sheet and experienced team can scale with your business.
We start by learning more about your portfolio and your goals. Then, we design a tailored financing structure that aligns your cash flow and growth plans. You’ll receive transparent communication and responsive service every step of the way—from application to funding.
Yes. Beyond lending, UMB provides a full suite of financial services to help franchise businesses operate efficiently and plan for the future. These include treasury management, merchant services, wealth management and retirement plan solutions.
To get started, connect with our franchise finance team to schedule a consultation. We’ll discuss your business needs, review financing options and create a plan to help you expand your franchise successfully.
Contact us about Franchise Finance
Securities and insurance products are:
NOT FDIC INSURED • NO BANK GUARANTEE • NOT A DEPOSIT • NOT INSURED BY ANY GOVERNMENT AGENCY • MAY LOSE VALUE