Mortgage brokers in Norwest, helping the Hills District and Sydney
Franchise finance broker, Sydney
Buying into a franchise, or buying a franchise that already trades? Sumit compares lenders for the purchase, fit-out and working capital, so the loan fits the business you are buying.
5.0 from 360+ Google reviews
Updated November 2026
Proof, not promises
Sumit has arranged finance for buyers of these franchises. They are examples, not a limit: we can look at finance for any established franchise system, not only these.
Subway
Food franchise
Gelatissimo
Food franchise
Soul Origin
Food franchise
Oporto
Food franchise
Ultra Tune
Automotive franchise
Ozzy Tyres
Tyres and automotive
BTOWN Tyres
Tyres and automotive
Other business purchases we have financed
Free, no obligation. Sumit reads every enquiry.
Logos and brand names are trademarks of their respective owners and are shown only to identify businesses whose purchase RyRo Loan Centre has arranged finance for. Their display does not imply any endorsement of, or affiliation with, RyRo Loan Centre.
Franchise finance in Sydney, updated November 2026
Franchise finance is a business loan, and often a mix of loans, to buy into a franchise system or buy a franchise that already trades. It can cover the franchise fee, the purchase price, the fit-out, equipment and working capital for the first months.
Lenders treat a franchise loan differently from a normal business loan, because they assess the franchise system as well as you. That is why the brand, the agreement and the franchisor's numbers matter as much as your own.
A business loan for the purchase, equipment finance for the fit-out, and sometimes home equity for the contribution.
Lenders look at the franchise's track record and how its sites perform, not only your income.
Some lenders know a brand well and others do not. A broker knows which lender to go to first.
Quick answer
You choose a franchise, the franchisor approves you, and a lender funds part of the cost once it has checked the system, the agreement, your contribution and the cash flow forecast. You repay the loan from the business over an agreed term, often with the business assets or a property as security.
What we finance
If a franchise system is established and its sites trade, we can look at finance for it. These are the categories we are asked about most.
Photo: Skyler Smith / UnsplashCafes, quick service restaurants, juice bars, bakeries and dessert stores, in shopping centres or on the street.
Photo: Ambitious Studio* | Rick Barrett / UnsplashGyms, 24 hour clubs, boutique studios and personal training franchises, including the equipment fit-out.
Photo: Vinicius "amnx" Amano / UnsplashMechanical servicing, tyres, brakes, car wash and detailing franchises, with workshop hoists and gear.
Photo: James Lo / UnsplashCommercial cleaning, lawn and garden, pest control and home maintenance franchises, often with a van to finance too.
Photo: Zooey Li / UnsplashSpecialty retail, convenience and phone or tech stores, with stock, shop fit-out and a lease to line up.
Photo: Nightingale Home nurse / UnsplashPhysio, dental, optometry, pharmacy and other allied health franchises, plus clinic fit-out and equipment.
Photo: Ivan Aleksic / UnsplashTutoring, coaching, early learning and childcare franchises, where lenders look closely at the site and the licence.
Photo: Hans Eiskonen / UnsplashService station and motel businesses, franchised or independent. We have arranged finance for buyers of both.
Any established franchise system, new or resale. Not on the list? Ask Sumit.
Ask about my franchiseNew site or resale
Both can be financed. The difference is what the lender leans on: the franchisor's forecast for a new site, or the real trading figures for a site that already runs.
| New franchise site | Existing franchise (resale) | |
|---|---|---|
| What you pay for | Franchise fee, fit-out, equipment, start-up costs | Purchase price (including goodwill), stock, transfer fees |
| What the lender leans on | The franchisor's forecast and the system's track record | The site's profit and loss, BAS and lease |
| Your experience | Weighed with the franchisor training | Weighed with the existing staff and systems |
| Fit-out | Usually new, often on equipment finance | Already in place; check its age and condition |
| Watch for | Ramp up time before the site breaks even | A price that the trading figures do not support |
General guide only. Every lender and franchise system has its own policy.
The Franchising Code of Conduct requires the franchisor to give you a disclosure document and the franchise agreement before you sign, and gives you a cooling-off period. Read them with a franchise lawyer and your accountant, and send them to us at the same time so we can check what lenders will think of the term, fees and renewal options.
Buying the premises as well as the business? See commercial property loans. Using your home as security? Our home equity loans page explains how usable equity works.
Sumit sets out both paths with your numbers.
Before you apply
Every lender asks about the same five things. Knowing which are your strong points tells Sumit which lenders to go to first.
How long it has traded, how many sites it runs and how they perform. Some lenders already know the brand, which can make the process simpler.
How long the agreement runs, renewal options, fees and royalties, and whether the term covers the loan. The lease term matters for the same reason.
Business, management or industry experience, and the training the franchisor gives you. First-time owners are not ruled out.
How much of your own money goes in, and whether property equity can stand in for cash or add security.
Whether the site can pay its rent, wages, royalties and the loan. For an existing franchise, its real trading figures carry the most weight.
Some lenders keep their own list of franchise systems they are comfortable with. A brand on a lender's list can mean fewer questions, but a brand that is not on it is not ruled out. Short on financials? Our low doc loans page explains how BAS and bank statements can help.
5.0 from 360+ Google reviewsSumit sends one checklist for your lender.
Fit-out and equipment
Kitchen gear, coffee machines, gym equipment, workshop hoists, signage and vans can often be financed on their own, with the equipment as security. That can keep the main franchise loan smaller.
Rohan Joshi
Asset finance broker, RyRo Asset Finance
Rohan arranges the equipment side through RyRo Asset Finance, a separate company in the same Norwest office, while Sumit handles the franchise loan. Chattel mortgage or lease, compared for your fit-out.
Learn more about asset finance or the chattel mortgage.
RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.
Free, no obligation. Rohan reads every enquiry himself.
5.0 from 13 Google reviews for RyRo Asset FinanceHow it works
One broker from the first conversation to the day you get the keys.
Step 1
The brand, new site or resale, the price and what you can put in. Two minutes on the form, before you sign anything.
Step 2
He matches the franchise system, your experience and your contribution to lenders whose rules already fit.
Step 3
Business loan, equipment finance and any equity, side by side with the full cost and what each lender needs.
Step 4
You send only what that lender asks for. We prepare and lodge it and keep you and the franchisor updated.
Step 5
Once the lender approves, the funds are paid at settlement and you open the doors.
Step 1 takes about two minutes.
Sound familiar?
Most franchise buyers come to us with one of these. Here is what usually gets in the way, and what we do about it.
The challenge: You have found the right system, but you have never owned a business and the bank wants two years of trading figures you do not have.
We go to lenders that weigh the franchise system, its training and your contribution, not only a trading history. We set out what each lender needs before you sign anything.
The challenge: A trading site is for sale. The price includes goodwill and you are not sure how a lender will value it against the profit and loss.
Lenders look at the site's real trading figures and the price you are paying. We test those numbers with lenders early, so you know where you stand before you negotiate.
The challenge: Your first franchise is trading well and the franchisor has offered you another territory, but your cash is tied up in the first one.
We look at the trading history you now have, any equity in your home or the business, and how to structure the new loan so the two sites do not trip over each other.
The challenge: The business you want is independent: a cafe, workshop or service business without a franchisor behind it.
That is a business acquisition, and lenders assess it on its own trading history. See our business acquisition loans page, or ask Sumit to compare both.
These are common situations, not client stories. Every loan depends on your circumstances and the lender's policy, and no approval is assured.
Sumit Joshi JP
Principal broker, Credit Rep 446824
Who you will deal with
You deal with Sumit from the first call. He reads the franchise documents, works out which lenders fit, and stays with you until settlement. His Google reviews mention clear advice and quick answers, including from clients who bought a business.
Based in Norwest. Meet us at the office (see our Norwest mortgage broker page) or handle it all by phone and email.
Free, no obligation.
Google reviews
Real Google reviews from business owners and buyers, word for word.
5.0
From 360+ Google reviews
Varinder Verma
4 years ago on Google
RyRo team is very professional and always helpful. When I bought a business recently, I reached out to them for finance and entire process was made very smooth for me. They always respond very quickly and efficiently. I highly recommend them for commercial lending.
Kirill Charonov
4 years ago on Google
Had a great experience with this excellent mortgage broker, very professional service. RyRo was able to tailor a business loan suitable to my situation and negotiate with the lender on excellent terms and interest rates. Would highly recommend.
Belinda White
2 years ago on Google
Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!
Info Nue Design Homes
a year ago on Google
Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of highly qualified well experienced professionals who can be relied upon for your personal and commercial loan needs. We strongly recommend them for your financial requirements and wish them all the very best.
FAQs
Have a question not covered here? Ask Sumit directly or book a free strategy call.
Talk to Sumit
We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us.
Sumit Joshi JP
Principal broker, Credit Rep 446824
More videos from Sumit
“We had a wonderful experience with Ryro Loan Centre, Sumit is very professional, knowledgable and resourceful. The whole process was very smooth, we highly recommend using Sumit for your home or business loan requirements. All the best!”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026. General information only. Lender policies, fees and requirements change and depend on your circumstances and the franchise system.
