Franchises approved on the SBA Franchise Registry can access 7(a) loans up to $5 million with favorable terms and lower down payments.
SBA loans
SBA franchise lenders rely on the SBA Franchise Registry to speed underwriting. Registry-listed brands receive expedited review because the SBA has already vetted the franchise agreement for prohibited clauses. Non-Registry franchises require the lender's franchise specialist to review the FDD and negotiate addendums, adding three to five weeks. Oakfield Advances confirms Registry status before submission, identifies lenders who handle non-Registry deals when needed, and routes your file to the desk that will move fastest.
Lakewood sits at the crossroads of West Colfax, Wadsworth, and the 6th Avenue corridor, drawing franchise interest in food service, automotive aftermarket, and health concepts. A broker who knows franchise lending saves you from submitting to a lender whose appetite excludes your brand, whose territory is full, or whose turnaround stretches past your lease deadline. We match your concept to lenders who have closed that franchise before, know the unit economics, and fund in Lakewood's competitive real estate market.
Loan programs
SBA 7(a) loans cover franchise fees, leasehold improvements, equipment, and working capital in a single package. Terms stretch to 10 years for equipment and working capital, 25 years for owner-occupied real estate. Down payments start at 10 percent for strong borrowers.
Equipment financing funds kitchen suites, point-of-sale systems, and specialized franchise equipment outside the 7(a) structure when you need isolated gear loans.
Working capital bridges the ramp period between grand opening and breakeven, covering payroll, inventory, and marketing during the first 90 days.
A franchisee signed for a 2,200-square-foot unit in Belmar, paying $38 per square foot triple-net. Franchise fee: $45,000. Build-out and equipment: $280,000. Working capital reserve: $75,000. Total project: $400,000. The franchisee brought $50,000 cash and a 680 credit score. We placed the deal with an SBA 7(a) lender experienced in the brand, closed in 32 days, and the store opened on schedule. The Belmar lease doesn't wait, and neither do we.
Call Oakfield Advances at (720) 864-8914. Our office is at 150 Sheridan Blvd, Denver, CO 80226, Lakewood, CO. We serve Edgewater, Sheridan, Mountain View, Bow Mar, Englewood, Morrison, Columbine, and every franchise corridor in the metro. Learn more on our Lakewood business loans page or explore our full service areas.
Serving the Lakewood area
We know which lenders fund which kinds of Lakewood businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
