Good morning! -

At Linsky Capital, many of our clients are steering away from their local bank, and instead are seeking our services to secure financing with a franchise lender. There are certainly advantages in dealing with a local bank such as low rates, often no prepayment penalty, and having the ability to walk into your bank at any time. However, there are many other factors to consider when looking for financing. An experienced and aggressive franchise lender is typically best fit for a franchisee seeking financing.

Franchise lenders are experts in the franchise world, and better understand the potential ups and downs in sales trends and EBITDA. For a local bank, this may cause them to be more conservative during their credit underwriting. Additionally, local banks usually have smaller caps on exposure, while we have franchise lenders that can secure loans in excess of $100 million. Local banks often ask for compensating balances, while most of our lending partners do not. Another benefit of a franchise lender is that they typically lend nationwide which is crucial if you are expanding in different states.

So where does Linsky Capital fit in? We have close relationships with 50+ reputable franchise lenders all throughout the country who offer many different products. We will guide you throughout the lending process and negotiate the best rates, terms, and fees on your behalf. 

Call or email us today for a free consultation, and let's build a strong, long term, mutually beneficial relationship! 

Respectfully,