Franchise financing

Franchise funding to help entrepreneurs succeed

Franchisees with financing solutions

Our team offers nationwide coverage to provide financing solutions that meet the needs and challenges of both new and existing franchises.

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Up to 90% Financing

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Competitive Rates

Loans up to $5 Million

One-stop financing nationwide for your franchise

Happen Bank is a nationwide Preferred SBA Lender which means a fast decision and faster closings for you!

Leasehold improvements
Furniture, fixtures and equipment
Startup & working capital expenses
Real Estate purchase including new construction and renovation

Rebranding and franchise upgrade financing
Terms up to 10 years (longer with real estate)
Fully amortized loans (no balloon payment)
New business startups, franchise acquisitions and expansions

Fast approvals in 5-10 days
Closings in as few as 30-45 days
Loans available nationally

Get in touch!

Speak with someone from our small business lending team today!

Security

Keeping your financial info private and secure is our priority.

FDIC Insurance

Deposits are FDIC-insured up to the maximum amount allowed—$250,000.

Customer support

Have a question? Need a hand? We can help. Chat with us online, or reach us by phone or email.

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88 Kearny Street, Suite 600
San Francisco, CA 94108

For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval.

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108.  
“Happen” and the “H” symbol are trademarks of Happen Bank.

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