Include the opening cash cushion

Franchise financing is not only the franchise fee and equipment note. Buildout, opening inventory, lease deposits, professional costs, working capital, and lender fees can decide whether the opening plan is actually funded. Compare this estimate with the SBA 7(a) loan calculator, business acquisition loan calculator, business loan affordability calculator, and DSCR calculator.

This calculator is an estimate for planning and comparison only. It does not replace franchise disclosure document review, lender underwriting, legal advice, lease review, tax advice, or brand-specific startup cost guidance.