Franchise Loans

Anytime Fitness is one of the more widely accepted franchise brands with many commercial lenders in Australia. Depending on your situation, you may be able to borrow up to 50% of the business cost, or even up to 100% if you’re using equity in an existing residential property as security. Most franchise loans run for 10 years, though property-backed loans can go up to 25 or 30 years.

What do I need to qualify?

Lenders generally want to see at least 2-3 years of management experience, ideally within the fitness, hospitality or service industry. Even if you’re from another field, strong leadership experience may be considered. You’ll also need to provide at least 2 years of personal or business financials, a clear credit history, and a well-prepared business plan outlining your revenue projections, cash flow forecasts, and market analysis. If you’re buying an existing gym, some lenders may check if the business generates at least 1.5x EBITDA to ensure its profitability.

How much does it cost to open an Anytime Fitness franchise?

The total upfront investment typically ranges between $220,000 and $533,000. This includes your franchise fee (around $69,000 plus monthly royalties), fit-out costs, equipment, security systems, initial marketing, and site deposits. Equipment leasing is often used to help reduce upfront costs and spread payments over time.

What kind of support does Anytime Fitness provide?

As a franchisee, you’ll receive extensive training and ongoing support. This starts with an initial one-week sales course, followed by ongoing coaching, site visits, phone support, and an operations manual to guide you through the day-to-day management. Anytime Fitness also assists with lease negotiations, provides access to bulk-buying discounts with suppliers, and offers tools to analyse your market demographics and target audience.

Can I run the franchise as a partnership?

It’s possible, but partnerships come with risks. If you’re considering one, make sure you have a formal legal agreement that clearly outlines how profits are shared, how business decisions are made, and what happens if one partner wishes to exit or can no longer continue.

Despite digital disruption, Australia Post remains the country’s largest logistics operator and a strong franchise model, with accredited lenders offering specialised franchise loan options. Qualified borrowers can finance up to 50–70% of total business costs, or up to 100% with residential property security. Loan terms typically span 10 years (or the franchise agreement term), extending to 25–30 years with property-backed loans. Interest-only terms may apply for up to 2 years. Low-doc and bad credit options are not available; discounted interest rates may be negotiated depending on borrower strength.

Lenders typically require:

• 3–5 years of experience managing a post office or comparable business.
• 3 years of financials from the current franchisee (when buying existing stores).
• Business plan with cashflow forecasts and profit projections.
• 1.75x EBITDA interest coverage is generally expected.
• Clear credit history.
• Personal capital contributions (working capital or equity).

Total investment varies based on store type (Licensed Post Office or Community Postal Agent), location, fit-out, PO Box count, and store condition. Working capital is also required to launch or turn around the business.

Applicants may acquire:

• Licensed Post Offices (LPOs): Typically full-service Australia Post locations.
• Community Postal Agents (CPAs): Small-scale outlets often located in rural newsagencies or general stores (more postcode restrictions may apply).

Franchisees benefit from:

• Australia Post’s established national brand.
• Comprehensive management and business systems.
• Centralised marketing and advertising support.
• Ongoing training and operational support.
• Licenses with no fixed term (subject to approval for transfers).
• Ability to appoint a manager for day-to-day operations.

The franchise approval process includes providing employment history, business plans, cash flow forecasts, assessment interviews, and initial head office training. Settlement typically occurs within 3 months of starting the application process.

Revenue potential depends heavily on location, business acumen, store size, and PO Box occupancy rates. While not a purely passive investment, owners can hire managers to operate stores on their behalf.

Prospective franchisees must review Australia Post’s Uniform Franchise Offering Circular (UFOC), which discloses legal, financial, and operational details. Independent legal and financial advice is strongly recommended prior to signing any agreements.

For full details, go to the Australia Post Franchise Loan page.

As demand for affordable, non-dealer auto repairs grows, Auto Masters offers franchise opportunities backed by tailored commercial loans. Borrowers can access up to 50–70% of franchise costs — or up to 100% with residential property security. Standard loan terms are 10 years, extending to 25–30 years with property as collateral. Interest-only options (2+ years) and commercial rate discounts may be available depending on financial strength.

Applicants need an accountant-approved business plan with revenue forecasts, a strong asset position, and at least 2–3 years of management experience in auto repair or a related field. Banks typically require 2–3 years of personal tax returns, business statements, a debt-to-income ratio of 1.5x, and a clear credit history. For existing store purchases, banks look for at least 1.5x EBITDA.

Initial investment ranges from $200,000 to $500,000 (plus GST), covering fit-out, equipment, tools, and stock. Additional costs include a $50,000 franchise fee (plus GST), 7% royalties, 6% marketing fees, and a $3,000 transfer fee if selling the business. Franchisees receive 4 weeks of training, business development support, and access to Auto Masters’ supplier network and bulk purchasing agreements with major auto parts companies.

Auto Masters, founded in Perth in 1975, has grown into a full-service auto repair chain with over 6 stores on Australia’s east coast and a strong West Coast presence. As an FCA member, its franchise agreements meet national standards.

With 115+ locations nationwide, Autobarn offers franchise opportunities backed by select lender partnerships and tailored loan options. Eligible applicants can borrow up to 60% of franchise costs — or 100% if secured by residential property. Standard loan terms are 10 years (or length of the franchise agreement), with 25–30 years available for property-backed loans. Interest rate discounts may be negotiated through mortgage brokers. Low-doc and bad-credit options are not available.

Approval requires a solid business plan (reviewed by financial advisors), 2–3 years of management experience in retail or automotive, knowledge of spare parts and accessories, and a clean credit history. Applicants must provide 2–3 years of personal/business tax returns and demonstrate a Debt Service Cover Ratio (DSCR) of ~1.5x. Some lenders may require EBITDA verification for existing stores.

Initial investment ranges from $250,000 to $500,000, varying by store size and location. A refundable $2,000 deposit is required upon application.

Franchisees receive full disclosure documents, financials, and guidance throughout the process, including head office interviews, business development support, and preliminary approval before formal franchise agreement signing.

Training includes orientation at head office, a 4-week management program, followed by 2–4 weeks of in-store work experience, covering store operations, merchandising, budgeting, staffing, and sales strategies. Autobarn also offers ongoing bookkeeping, IT support, inventory management, and national marketing programs, including major sponsorships like Red Bull Racing Australia.

Autobarn operates under a head lease model, managing property negotiations and disputes, offering better rental terms and protection for franchisees. The automotive parts sector has grown alongside Australia’s increasing vehicle fleet, benefiting from consumer demand for parts and accessories amid declining domestic car manufacturing.

Autobarn was founded in 1985 and operates as part of BAPCOR Limited, offering a full range of spare parts, accessories, 4×4 gear, electronics, security systems, DIY tools, and more.

As one of Australia’s most recognisable bakery brands, Bakers Delight offers franchise opportunities backed by tailored finance options. Qualified applicants can borrow up to 50% of total business costs — or up to 100% if secured by residential property. Thanks to the brand’s head lease model, some lenders may approve up to 65% of the business value. Standard loan terms are 10 years or the franchise agreement length, with 25–30 years available if property-backed. Negotiated interest rate discounts may apply, but low-doc and bad credit options are not available.

Lenders assess personal financial strength, requiring 2 years of personal tax returns, business transaction statements (if applicable), a clean credit history, and relevant business management experience — ideally in retail or food services. Debt-to-income ratios and EBITDA multiples apply, with banks generally seeking 2.25x EBITDA for stores in NSW/VIC and 1.65x for WA/SA/QLD. A detailed business plan and profit forecasts are mandatory for approval.

Capital investment typically starts at 30% of the business value or $150,000 (whichever is greater), with additional costs for fit-out, marketing, administration, and royalties. Franchisees must also have at least $10,000–$15,000 in working capital with minimal debt. All full financials and obligations are outlined in the Uniform Franchise Offering Circular (UFOC), which is provided during the enquiry stage.

New franchisees receive extensive support, including site selection assistance, fit-out guidance, 16 weeks of competency-based training (covering baking, business operations, and management), and ongoing support from area managers and business development teams. National marketing and peer benchmarking further assist franchisees in building successful operations.

Bakers Delight, which holds over 14% of Australia’s bread market, has been recognised with multiple Franchise Council of Australia awards. While starting an independent bakery remains an option, the Bakers Delight model offers lower start-up barriers, strong brand recognition, national marketing, and structured operational support.

Betta Home Living (formerly Betta Electrical), with over 200 stores nationwide and a 50+ year franchise history, offers franchise opportunities with lender-approved finance options. Qualified borrowers may access up to 50% of franchise costs for new (greenfield) stores, or up to 60% for existing stores. Up to 100% may be financed if residential property security is provided. Loan terms generally run 3–5 years (or lease term), with 25–30 years available for property-backed loans. Interest rate discounts may be available based on application strength. Low-doc and bad credit options are not accepted.

Lenders generally require:

• 3 years of experience in retail management or supervisory roles.
• 2–3 years of personal tax returns, payslips, and financials.
• Clear credit history.
• Written business references and sales reports from prior roles.

A comprehensive accountant-approved business plan with:

• Market analysis
• Revenue projections
• Cash flow forecasts

For existing store purchases, lenders expect a debt-to-EBITDA ratio no higher than 1.2x.

While there’s no upfront franchise fee, total setup costs depend on location, store size, fit-out, signage, and stock. Applicants are responsible for working capital (approx. $15,000–$20,000) to cover early-stage business expenses.

Franchisees benefit from extensive support:

• National marketing through sponsorships (e.g. V8 Supercars, Sydney Swans, Brisbane Heat) and local advertising assistance.
• Annual promotional calendars for consistent campaign planning.
• Access to BSR Franchise Group’s supplier discounts and negotiated pricing.
• Betta’s proprietary retail management and point-of-sale system.
• Full sales, ordering, and system training.
• Business development manager support for day-to-day operational guidance.
• Site selection and store analysis based on local market demographics.

Revenue projections vary based on store size and location. Betta may conduct a market analysis to assist prospective franchisees in forecasting turnover.

Applicants should request Betta’s franchise kit and consult legal and financial advisors to review franchise agreements, ownership structures, tax implications, and funding strategies prior to signing.

Boost Juice, Australia’s largest juice and smoothie bar chain, offers strong franchise opportunities supported by lender-approved finance options. Qualified applicants may borrow up to 50–70% of total business costs, or 100% when secured by residential property. Loan terms typically span 7 years (or the franchise agreement term), extending to 25–30 years with property security. Interest-only options may apply for the first 2 years. Low-doc and bad credit options are not available. Competitive interest rates may be negotiated through experienced mortgage brokers.

Lenders generally require:

• 3 years of industry experience in a managerial or supervisory role.
• 3 years of business financials for existing stores (tax returns, profit & loss statements).
• 2 years of personal financials and tax returns.
• Clear credit history.
• A comprehensive business plan with cash flow and revenue forecasts (prepared with an accountant).
• Evidence of personal capital contributions for initial working capital.

Total franchise investment typically ranges from $240,000 to $300,000 for a 20 sqm store, covering signage, fit-out, equipment, and site setup. Additional upfront and ongoing costs include:

• Refundable deposit: $2,200.
• Royalty fee: 4–6% of monthly turnover.
• Marketing fee: 3% of monthly turnover.

Boost Juice provides extensive franchisee support:

• 4-week initial training in Melbourne covering operations, food safety, and customer service.
• Dedicated business development manager (BDM) support.
• National and local marketing assistance.
• Full fit-out coordination and site selection services.
• Lease negotiation and management under a head lease model.
• Supplier buying power for lower operating costs.

The franchise agreement term is 7 years with two additional 7-year options. Multi-site ownership may be permitted after 12 months of successful single-store operation, subject to Boost’s approval.

Prospective franchisees must request and review Boost Juice’s Franchise Kit and disclosure documents before committing. Independent legal and financial advice is strongly recommended prior to signing.

For full details, go to the Boost Juice Franchise Loan page.

With over 570 stores nationwide, Domino’s is Australia’s largest pizza chain — but securing a franchise loan still requires a strong business case. Qualified borrowers may access up to 50–70% of total business costs, or up to 100% when using residential property as security. Standard loan terms are 10 years (or franchise term), extending to 25–30 years with property-backed loans. Business plans and profit forecasts are required; low-doc and bad credit options are not available. Interest rate discounts may be negotiated via mortgage brokers.

Banks require applicants to provide 2 years of personal and/or business financials, business action plans, and cashflow projections. While Domino’s doesn’t mandate prior experience, lenders typically expect 2–3 years of management or business experience. For existing store purchases, banks look for franchises generating 3x EBITDA, supported by profit & loss and bank statements.

Capital investment typically ranges from $450,000 to $600,000, covering fit-out, equipment, and deposits. Additional costs include:

• Initial franchise fee: $60,000 + GST
• Ongoing franchise fee: 7% of gross sales
• Advertising fee: 6% of gross sales
• Rent: $40,000–$60,000 p.a. plus outgoings

Applicants must also meet Domino’s operational criteria: full-time commitment to the business, no non-resident ownership unless partnered with an Australian citizen, and no conflicting business interests.

Domino’s operates under a head lease model, where the company leases premises and subleases to franchisees. This reduces risk for both lenders and operators, often allowing higher loan-to-value lending. Franchisees benefit from national marketing, advanced technology systems, consultant support, and a robust training program — including a 6-week course and ongoing business development assistance.

While Domino’s strong brand provides market advantages, profitability depends on the franchisee’s operational involvement and business acumen. Prospective franchisees should request the Uniform Franchise Offering Circular (UFOC) and seek legal and financial advice before signing.

For full details, go to the Domino’s Franchise Loan page.

Donut King is a well-established franchise brand that many lenders are comfortable financing, provided you meet the right criteria. Depending on your financial situation, you may be able to borrow up to 50% of the business cost, or even up to 100% if you’re using equity in a residential property as security. Loan terms usually run up to 10 years, or up to 30 years when backed by property.

What do I need to qualify?

Lenders generally expect you to show:

• 2-3 years of relevant management experience, ideally in food, hospitality, or a related retail business.
• 2 years of personal or business financial statements, including tax returns.
• A detailed business plan outlining your revenue forecasts, cash flow projections, and operational strategy.
• For existing stores, some lenders may require the business to generate at least 1.75x EBITDA.

If you’re coming from a different industry, this may be considered on a case-by-case basis, particularly if you have solid management experience.

Should I use my property as security?

In most cases, yes. Without sufficient cash to cover the purchase, lenders will generally require you to use equity from an existing residential property. With enough equity, you may not need to contribute much upfront, aside from working capital (often $15,000–$20,000 to support the first six months of operations).

How much does it cost to open a Donut King franchise?

The initial investment typically ranges from $280,000 to $380,000, depending on store type and location. Additional costs include:

• $3,000 store deposit (varies depending on site)
• 7% ongoing franchise service fee (of total sales)
• 3% marketing fee (of total sales)

Because these fees can add up, it’s essential to carefully review Donut King’s franchise kit (Uniform Franchise Offering Circular) and consult a solicitor and accountant before proceeding.

How much can I expect to earn?

There’s no fixed revenue figure, as performance depends heavily on your location, customer traffic, management skills, and local competition. A thorough due diligence process, including analysing the store’s financials and market demographics, will give you a clearer picture of its income potential.

What support does Donut King provide?

As part of Retail Food Group, Donut King offers strong franchise support, including:

• 4–5 weeks of initial training and ongoing quarterly workshops.
• Barista upskilling and sales training from business development managers (BDMs).
• Supplier buying power and assistance to help manage your cost of goods and labour.
• Marketing support, including national and local promotions.
• Assistance with site selection and store design — including kiosk, in-line, or drive-through formats.

Is running a Donut King franchise a good lifestyle fit?

Operating hours usually align with shopping centre hours or nearby businesses, which may allow for a better work-life balance compared to some other food franchises. However, like any business, your involvement and management will have a direct impact on your success.

Home Loan Experts has no affiliation with Fernwood Fitness. This information has been prepared independently to assist prospective franchisees in understanding the finance options available.

Fernwood Fitness is one of Australia’s leading women-only gym franchises, operating for over 30 years. With strong brand recognition and steady demand for health and fitness services, many lenders are open to financing both new and existing Fernwood locations. Depending on your financial position and the strength of your application, you may be able to borrow between 50% to 70% of the business costs. In some cases, if you have sufficient equity in residential property, you may qualify to borrow up to 100% of the franchise costs.

Franchise loans for Fernwood Fitness are typically structured over five years, which aligns with the standard franchise agreement. However, if you’re using residential property as additional security, your loan term may extend to 25 or 30 years. Most lenders offer up to two years of interest-only repayments before transitioning to principal and interest repayments. It’s important to note that low-doc options are not available, but lenders may offer discounted interest rates for strong applications.

To qualify, you’ll need to demonstrate a clear credit history and provide a detailed business plan, ideally prepared with your accountant. This should include revenue forecasts, cash flow projections, and a thorough analysis of your target market and location. Previous management experience in a similar business is also essential, with most lenders expecting at least two to three years of relevant experience. If you’re purchasing an existing gym, some lenders may also require the business to be generating a minimum of 1.5 times EBITDA.

Setting up a Fernwood franchise typically requires a total capital investment ranging from $450,000 to $500,000. This covers the franchise fee, site design and fit-out, equipment, working capital, legal costs, and other setup expenses. Ongoing costs include a 7% royalty fee on gross revenue, paid weekly, and a 5% contribution to national and local marketing.

p>The application process begins by submitting an expression of interest to Fernwood. If you meet their selection criteria, you’ll proceed to meetings with senior management and pay a $1,000 refundable application fee. Before signing any agreements or paying deposits, it’s essential to review the franchise kit with legal and financial professionals. You’ll also be asked to submit your business plan to Fernwood’s development team, who will assist with site selection. Once the agreement is signed and franchise fees paid, Fernwood will help with marketing support to launch your gym.

Franchisees benefit from Fernwood’s national branding and marketing, as well as operational support throughout the business journey. Initial training covers customer service, sales, staff management, fitness industry regulations, local area marketing, and supply management. This training takes place over three weeks, split between Fernwood’s head office and in-store experience. Additional training opportunities and online learning modules are also available.

Fernwood’s unique business model allows for both male and female ownership; however, male franchisees typically manage the business behind the scenes, while a female operator runs daily operations. If operating as a partnership, it’s highly recommended to have a partnership agreement in place to clarify roles, responsibilities, profit sharing, and dispute resolution.

In terms of earning potential, revenue for a Fernwood franchise depends heavily on the operator’s ability to recruit and retain members, train staff, and run effective local marketing campaigns. Like many fitness businesses, success is built on strong leadership, effective sales management, and the ability to grow membership numbers consistently. With national support, demographic research, and centralised administrative assistance, Fernwood offers franchisees a comprehensive system to help navigate the challenges of the competitive fitness industry.

Before committing to a Fernwood franchise, it’s critical to complete full due diligence, review all financial documents, and consult with legal and financial professionals to ensure the business aligns with your personal and financial goals.

With over 380 franchises in Australia, Gloria Jean’s offers a well-established franchise model backed by Retail Food Group (RFG). Borrowers may access up to 60–70% of business costs, or up to 100% with residential property security, depending on lender approval. Loan terms typically align with the lease (or 25–30 years if secured by property). Interest-only terms of 1–3 years may apply. Low-doc and bad credit options are not available; competitive commercial rates may be negotiated for strong applications.

Lenders typically require:

• At least 3 years’ experience in hospitality or a similar-sized business.
• 2–3 years personal financials, including payslips, group certificates, and savings history.
• Accountant-approved business plan with revenue forecasts, cashflow projections, and 5-year financial modelling.
• Clean credit history.
• Debt-to-income serviceability supported by financial records from previous ventures.
• Business references, sales reports, and previous business financials.

Initial franchise investment ranges from $350,000 to $450,000, plus:

• Franchise fee: $32,500.
• Royalty: 6% of gross weekly sales.
• Marketing: 2% of gross weekly sales.
• Additional costs: Working capital, rent, insurance, bank guarantees, advisor fees, and ongoing operational expenses.

Franchisees benefit from:

• RFG’s Training Academy and Gloria Jean’s Coffee University (5-week program combining head office and in-store training).
• Store design, construction, and site selection services.
• Comprehensive POS, operational support, and systems setup.
• National and local marketing support.
• Business development managers and store operations teams providing ongoing guidance.

Revenue projections vary based on location, demographics, competition, and operator skills. While Australia’s coffee market exceeds $5 billion annually, fierce competition exists due to specialty cafes and low industry entry barriers.

Thorough due diligence is critical. Buyers should:

• Request full business financials and banking records for at least 3 years.
• Carefully review franchise agreements and financial projections with accountants and solicitors.
• Investigate site demographics, customer base, and competition prior to committing.

Partnership ownership may be considered but requires careful legal structuring to address capital contributions, decision-making rights, and succession planning.

Grill’d, one of Australia’s fastest-growing healthy burger brands, offers franchise opportunities for operators seeking to enter the booming health-conscious QSR sector. Eligible borrowers can access up to 50% of total business costs, or 100% with residential property security. Loan terms typically run 10 years (or franchise agreement length), extending to 25–30 years if property-backed. Business plans and profit forecasts are required; low-doc and bad credit options are not accepted. Negotiated commercial rate discounts may be available through mortgage brokers.

Lenders assess applicants on personal financial strength, requiring 2 years of personal or business tax returns, a clear credit history, and business experience (ideally ownership or management in a similar-sized hospitality venture). For existing stores, banks generally expect earnings of at least 1.5x EBITDA, viewing established locations as lower-risk due to existing customer traffic and proven revenue streams.

Initial capital investment ranges from approximately $546,000 to $735,250 depending on location and fit-out. This typically includes the shop fit-out, working capital, initial administration, security deposit, and one-off franchise fee. Ongoing royalties apply, which are negotiated individually.

The Grill’d franchise model provides significant operational advantages: centralised supply chains for core ingredients, discounted equipment through bulk purchasing, established pricing strategies, and an optimised staff-to-supervisor ratio for efficient operations. Franchisees benefit from Grill’d’s strong brand reputation, national marketing, and operational support.

Franchise agreements typically start at five years, often with longer-term commitments. As with all business ventures, success depends on the owner’s personal involvement and operational expertise. Detailed franchise kits and full disclosure documents are available through Grill’d for prospective buyers.

Hog’s Breath Cafe, with 80 stores across Australia and New Zealand, offers franchise opportunities in the mid-tier casual dining segment. Qualified borrowers may access up to 60% of franchise costs — including fit-out and construction — or up to 100% with residential property security. Loan terms typically span 5 years (or lease length), extending to 25–30 years with property-backed loans. An accountant-approved business plan and profit forecasts are required. Low-doc and bad credit options are not available; interest rate discounts may be negotiated depending on application strength.

Lenders generally require:

• 3 years of hospitality management experience.
• 2 years of personal and/or business financials.
• Clear credit history.
• Debt-to-EBITDA ratio of at least 1.75x (for certain lenders and existing stores).

Franchise investment ranges from $800,000 to $1 million (excl. GST), depending on store location. Additional costs include:

• Franchise fee: $50,000 (new) or $6,000 (existing).
• Royalties: 5% of gross food and beverage sales.
• Marketing: 2% of gross food and beverage sales.
• Site fit-out (350–400 sqm ideal size).

The application process involves site selection, support office interviews, council and licensing approvals, followed by an 8-week training program at Hog University in Brisbane, and in-store training for staff before opening.

Hog’s Breath’s business model differentiates itself from traditional quick-service franchises, focusing on customer service, unique dining experiences, and location-driven success. Revenue potential depends heavily on market analysis, location demographics, and hands-on business involvement. Strong family-oriented markets and active owner-operators tend to yield higher returns.

Mad Mex is an established franchise that some commercial lenders are willing to finance, provided you meet certain eligibility requirements. With the right lender and a strong application, you may be able to borrow between 50% and 70% of the business cost — or even up to 100% if you’re using equity in a residential property as security.

Loan summary:

• Borrowing amount: 50%–70% of total business cost; up to 100% with property equity
• Loan term: 10 years (or franchise agreement length); 25–30 years with property security
• Interest only: Up to 2 years
• Low doc: Not available
• Interest rate discounts: Negotiable based on application strength

What do lenders look for?
Lenders assess your full business profile — not just the franchise brand — to determine your ability to run a successful Mad Mex outlet.

Key requirements include:

• Business plan: Detailed projections for revenue, cash flow, and profit forecasts prepared with your accountant.
• Experience: 2–3 years management experience in hospitality or similar-sized businesses.
• Financials: 2 years of personal/business tax returns and financial statements.
• Credit history: Clean credit file with no defaults or bankruptcies.
• Working capital: Personal funds or equity to cover initial business costs (known as “hurt money”).

Is experience in hospitality mandatory?

While Mad Mex strongly prefers applicants with hospitality or food-service experience, some lenders may still consider you if you have solid management experience in other industries. However, your business plan will need to demonstrate how you’ll successfully transition into this industry.

Should I use my property as security?

Yes — most franchise loans for Mad Mex will require security. If you have sufficient equity in a residential property, you may not need to contribute any additional cash deposit aside from some working capital. Without property security, you’ll generally need to fund 30–50% of the franchise cost yourself.

What does a Mad Mex franchise cost?

Initial setup costs typically range between $375,000 and $450,000. This includes:

• Franchise fee: $45,000
• Training fee: $10,000
• Fit-out, equipment & stock: Included in total upfront cost
• Application fee: $2,200 (refundable, applied to franchise fee)

Ongoing fees:

• Royalties: 6% of gross monthly sales
• Marketing fees: 3% of gross monthly sales

How much profit can I make?

Profitability varies depending on store location, management skill, and local competition. Mad Mex may provide revenue estimates once you’ve progressed through the application process, but it’s crucial to perform your own market research and due diligence beforehand.

What is the process for applying for a Mad Mex franchise?

The process begins by submitting Mad Mex’s online application form. You’ll be contacted for a phone interview, followed by face-to-face meetings where you’ll discuss the business in more detail and may sign a confidentiality agreement. Once you decide to proceed, you’ll receive the franchise kit, known as the Uniform Franchise Offering Circular (UFOC), which outlines all costs, obligations, and important details. After reviewing the documents with your financial and legal advisors, you’ll submit your signed UFOC and pay a refundable application fee of $2,200. A final interview with senior management will follow, after which your business plan will be reviewed and you’ll be offered a suitable site. After the offer is accepted, you’ll sign the franchise agreement, pay your franchise fee, and begin your lender’s loan approval process.

Will Mad Mex provide training and support?

Yes, training is a key part of the Mad Mex franchise system. You’ll complete a six-week training program, combining time at Mad Mex’s Sydney head office with in-store practical training. After opening, Mad Mex will continue to support you with business development managers, operations support, supplier relationships, and ongoing access to marketing resources and systems.

Will I need to work in the store myself?

Yes, Mad Mex requires franchisees to be actively involved in the day-to-day operations of their stores. This means you’ll be managing staff, handling customer service, overseeing inventory, and ensuring the smooth operation of the business. If you’re looking for a completely passive investment, a Mad Mex franchise may not be the best fit.

Can I choose my store location?

There are multiple pathways to securing a Mad Mex location. You may be offered an existing store that’s up for sale, or Mad Mex may present you with a new store opportunity they’ve identified. In some cases, you can even propose a new site yourself, though this will require approval and may involve a longer lead time while the property is assessed, lease terms negotiated, and council approvals obtained.

What is a UFOC?

The Uniform Franchise Offering Circular (UFOC) is a legal disclosure document that outlines everything you need to know about the franchise system, including total costs, fees, obligations, and even contact details for current and former franchisees. You are entitled to receive and thoroughly review this document before committing to any franchise agreement. You should always seek legal and financial advice before signing.

With 25+ years in Australia’s thriving café culture, Muffin Break offers franchise opportunities backed by specialised finance options. Qualified borrowers may access up to 50–70% of business costs for existing stores, or 100% with residential property security. Some lenders may fund new stores if applicants demonstrate strong managerial experience and a solid business plan. Loan terms typically span 10 years (or the franchise agreement term), extending to 25–30 years with property-backed loans. Interest-only options may apply for the first 2 years. Low-doc and bad credit options are not available; negotiated interest rate discounts may be available via mortgage brokers.

To qualify, lenders typically require:

• 2 years of personal and/or business financials.
• Clear credit history.
• 2–3 years of prior management experience (preferably in hospitality or retail).
• A business plan and revenue forecasts (prepared by an accountant).
• Working capital contributions, even when borrowing against property equity.

Total franchise investment ranges from $250,000 to $500,000, plus a $10,000 site deposit. Costs vary based on store type: full inline stores (80–180 sqm) or smaller kiosk-style setups (27–30 sqm). Ongoing fees include:

• Royalties: 7% of gross monthly sales.
• Marketing: 3% of gross monthly sales.

Franchisees receive extensive support, including:

• A 3-week initial training program at Foodco’s Centre of Retail Excellence.
• Formal qualifications such as Certificate III in Hospitality.
• Dedicated business development manager (BDM) support before, during, and after store opening.
• Ongoing coaching, regional workshops, quarterly meetings, marketing assistance, and access to Muffin Break’s loyalty programs.

Applicants must complete an expression of interest and confidentiality agreement, followed by interviews and application review. Legal and financial advice is strongly recommended prior to signing any franchise agreements. Upon approval, store fit-out and training typically commence, leading to store opening within approximately 8 weeks.

Muffin Break’s well-established franchise model offers significant operational support, brand recognition, and supplier buying power, helping franchisees compete in Australia’s competitive café sector while reducing many of the risks faced by independent operators.

With around 300 locations across Australia, Nando’s offers franchise opportunities backed by lender-approved finance options. Qualified applicants may borrow up to 60% of business value, or 100% when secured by residential property. Standard loan terms are 10 years (or the franchise agreement term), extending to 25–30 years with property-backed loans. Business plans, profit forecasts, and lender-specific requirements apply; low-doc and bad credit options are not accepted. Negotiated commercial rate discounts may be available via mortgage brokers.

Banks assess applicants based on:

• 2 years of personal tax returns.
• 2 years of business activity statements (if applicable).
• A clean credit history.
• Solid business plan, capital expenditure outline, and cashflow projections (prepared by an accountant).
• Prior experience managing or owning a business in hospitality or related sectors.

Total franchise investment typically ranges from $950,000 to $1,000,000, with an initial franchise fee of $48,500. The full financial obligations — including royalties, advertising contributions, and leasing costs — are detailed in the legally required Uniform Franchise Offering Circular (UFOC), which must be reviewed prior to signing.

Nando’s supports franchisees with:

• A 12-week full-time training program.
• Complete store fit-out.
• Local business development support across marketing, finance, and operations.
• Managed lease arrangements under a head lease model.
• Opportunities to operate multiple stores (subject to performance).

Banks generally prefer lending for existing Nando’s stores with proven financials, reducing marketing costs and allowing franchisees to build on an existing customer base. However, thorough due diligence is critical, especially to uncover any hidden reputational risks with underperforming stores. Engaging a business broker is recommended for identifying strong-performing locations.

Franchisees must be actively involved in daily operations. Nando’s is not a passive investment model, and long-term success depends heavily on the operator’s hands-on management and business acumen.

For full details, go to the Nando’s Franchise Loan page.

Several lenders are open to financing Oporto franchises, but your ability to borrow depends heavily on your financial situation and overall application strength. Typically, you can borrow up to 50–60% of the total business costs. However, if you have sufficient equity in your residential property, you may be able to borrow up to 100% of the franchise cost by offering your property as security. Loan terms are usually 10 years in line with the franchise agreement, or up to 25–30 years when residential property is used as security. Interest-only repayments may be available for the first two years. Low-doc options are not available, but lenders may offer interest rate discounts depending on your financial position.

What do banks look for when assessing my Oporto franchise loan?

Banks will assess whether you have relevant business experience, a strong financial history, and a well-prepared business plan. Usually, they expect applicants to have at least three years of prior business or managerial experience in a similar industry, such as hospitality or fast food. In addition to your experience, you’ll need to provide around three years of personal and/or business tax returns and financial statements. A clear credit history with no defaults is essential, as it reflects your reliability as a borrower. Lenders will also want you to contribute some personal capital, often referred to as “hurt money,” to cover operating costs during the early months of the business.

Why do I need a business plan?

Your business plan will play a critical role in your application. Lenders will want to see cash flow projections, revenue forecasts, and an overall strategy that demonstrates you understand the financial realities of operating an Oporto franchise. This plan is especially important when purchasing an existing store, where the bank will carefully review the financials of the business for the past two to three years. The lender may also require the business to be generating an EBITDA multiple of 1.5 times or higher to feel comfortable approving your loan.

What if I’m buying an existing store?

If you’re purchasing an existing Oporto store, lenders will require you to submit detailed financial records from the current owner, including business tax returns and profit and loss statements. This helps both you and the bank assess the true financial performance of the store. You should also conduct your own due diligence, such as understanding why the current franchisee is selling. This will help you make an informed decision and avoid any unpleasant surprises down the track.

How much does it cost to open an Oporto franchise?

The initial capital investment for an Oporto franchise generally ranges from $350,000 to $900,000 depending on the store format and location. All store types require a $50,000 upfront franchise fee. Smaller “Pequeño” shopfronts can cost around $350,000 to $400,000, while food court locations range between $450,000 to $700,000. Drive-thru stores are typically the most expensive, costing between $600,000 and $900,000. Beyond the upfront investment, franchisees also pay ongoing royalties of 6% of weekly gross sales and contribute 4–6% of weekly gross sales towards marketing and advertising.

Should I get pre-approved for finance before signing?

Absolutely. It’s critical to secure pre-approval for your Oporto franchise loan before signing any franchise agreement or paying your franchise fee. If you sign the agreement without loan approval, you risk losing your $50,000 franchise fee if the finance falls through. Always obtain independent financial and legal advice before making any commitments.

What’s the process for becoming an Oporto franchisee?

The process begins with an initial enquiry submitted via Oporto’s website or phone line. After an initial meeting with one of their business development managers, you’ll have the chance to spend a day working in-store to experience daily operations. If you’re still interested, you’ll prepare a business plan for your proposed site. Once your application is approved by Oporto’s senior management, you’ll pay the franchise fee and begin your formal training program. Altogether, the entire process from enquiry to opening your store typically takes around three months.

Why choose Oporto over starting my own restaurant?

Oporto offers a well-established franchise model backed by over 20 years of experience, a strong national brand, and the purchasing power of Quick Service Restaurant Holdings (QSRH), its parent company. As a franchisee, you’ll benefit from national marketing campaigns, proven business systems, and supplier discounts you wouldn’t be able to access on your own. This support structure helps you reduce costs, improve efficiency, and focus on growing your business without reinventing the wheel.

How profitable is an Oporto franchise?

Exact profit figures vary based on location, competition, and how well you operate the business. Oporto does not guarantee profits, but they do provide revenue projections and financial details once you progress through the franchise application. Ultimately, your profitability will depend on factors like your site selection, staff management, and marketing execution. Conducting thorough due diligence before committing to a location is crucial to maximize your store’s long-term success.

What is the UFOC and why is it important?

The Uniform Franchise Offering Circular (UFOC) is a legal disclosure document that outlines the full costs, risks, and obligations associated with purchasing an Oporto franchise. This document includes details about your rights as a franchisee, Oporto’s obligations as franchisor, intellectual property policies, and dispute resolution processes. You are entitled to review the UFOC before signing the franchise agreement, and it’s highly recommended that you do so with legal and financial advisors to fully understand what you’re committing to.

Getting approved for an OPSM franchise loan can be challenging, but with the right preparation, your chances are much stronger. OPSM is Australia’s largest eyecare and optical dispensary chain, and banks see the brand as stable. However, only a few lenders will consider OPSM franchise finance, so working with a specialist mortgage broker gives you an edge. The stronger your financial profile, experience, and business plan, the better your chances.

How much can I borrow?

Depending on the franchise format and your security, lenders offer different borrowing limits. For the Optometry format, you can borrow up to 70% of set-up costs (60% for a new store). For the Full format, borrowing is capped at 60% (or 50% for a new store). If you offer residential property as security, you may access standard 25- to 30-year loan terms, while standard franchise loans usually run for 5 years. Interest-only periods of 2 years may be available. Low-doc options are not available, but lenders may offer discounted business loan rates depending on your loan-to-value ratio and financial strength.

If you’re buying an existing store, you’ll generally need to supply 3 years of financials for the current business owners so the bank can assess performance.

How do I qualify?

Each loan application is assessed on a case-by-case basis. To strengthen your application, it helps to provide:

• Your last 2 years of personal tax returns.
• Business financials (2-3 years) if you’ve previously owned a business, including ATO tax portals and banking statements.
• References from previous business roles, ideally showing management or ownership experience.
• A business plan, ideally drafted with your accountant, including detailed revenue and cash flow forecasts.

The lender wants to see not just financials but evidence of your character, business experience, and ability to successfully operate the franchise.

What will the bank assess?

The bank’s decision will hinge on your personal financial position, your credit file (which must be clear of defaults), your business experience, and your business plan. If you’re currently employed, lenders may request your most recent group certificate and payslips. For business owners, expect to provide your last two years of BAS. Managerial experience in a similar-sized operation is a significant plus.

What if I’m buying an existing store?

If you’re purchasing an existing OPSM location, you’ll need to obtain 3 years of business financials for the store. The bank may also require that the store meet a certain earnings threshold, such as an EBITDA multiple, to confirm its profitability. Keeping key staff onboard during the transition can further boost your application.

Can I get finance if I have bad credit?

Unfortunately, a clean credit history is mandatory. Franchise loans like this require a clear credit file to be eligible.

What franchise options does OPSM offer?

OPSM offers several models:

• Optometry Room Model: Optometrists own and operate the practice inside the store, while OPSM runs the retail side. Upfront and operating costs are lower. This model typically involves a 5-year term with a 5-year option.
• Full Format Model: Franchisees own both the retail and optometry aspects. While costs are higher, profits are also larger. This also runs on a 5-year term with a 5-year option.
• Optometry Alliance Franchise: A 12-month entry-level model with lower costs, but this one is generally not financed through franchise loans.

What are the costs involved?

For the Optometry Room format, capital investment ranges between $50,000 and $75,000. You’ll pay a royalty fee of 4% of gross sales and rent based on the proportion of the store you occupy.

For the Full Format franchise, capital investment depends on whether you’re buying an existing or new store. Expect to pay a franchise fee of $35,000, royalties of 7.5%, and a marketing contribution of 6% of gross sales.

Why do I need to read the UFOC?

The Uniform Franchise Offering Circular (UFOC) is a mandatory disclosure document under Australia’s Franchising Code of Conduct. It outlines:

• Franchise fees and costs.
• Your rights and responsibilities.
• OPSM’s obligations.
• Any bankruptcy or legal history of the franchisor.
• Intellectual property rules and non-compete clauses.

You’ll also receive contact details for current and past franchisees. Speaking to these operators can provide valuable real-world insights before you commit.

What’s the application process?

You start by submitting an enquiry on the OPSM website. If your initial application passes, you’ll have a face-to-face meeting with OPSM to go over the franchise operations. OPSM may offer you existing store opportunities or consider your proposed location. Before signing, you should review the UFOC with legal and financial advisors, and have your accountant review 3 years of business financials (if buying an existing store). Once everything is in place, you’ll receive the disclosure documents and franchise agreement for signing. It’s essential to have finance pre-approval secured before reaching this stage.

What training and support will I receive?

OPSM provides one of the more comprehensive training programs in franchising. You’ll receive initial training, followed by ongoing education supported through video modules and in-person sessions. Continued professional development is also available. On the marketing front, OPSM delivers national television, radio, and online campaigns, as well as pre-designed marketing materials for your local store. You’ll have access to a dedicated regional sales manager, quarterly franchise meetings, business support, and HR backup for staffing challenges.

What is Luxottica and how does it benefit me?

OPSM is owned by Luxottica, the world’s largest eyewear company. As part of this group, you benefit from global buying power, marketing resources, and extensive sales expertise. Luxottica has invested over $50 million in eye care technology and holds more than 1,500 third-party contracts. You’ll also share in online sales revenue and gain access to lower prices on equipment and inventory.

How is the optometry industry performing?

While regulatory changes like Medicare rebate cuts have impacted the sector, the industry remains stable, with revenue projected to reach $2.9 billion. Labor costs for optometry are high, but capital costs after initial setup tend to be manageable for many years, making it a relatively steady business model once established.

Outback Jack’s Bar & Grill is a fully licensed family restaurant chain that’s been operating for over 10 years in Australia. Specialising in Certified Australian Angus Beef, steaks, seafood, burgers, and casual dining, Outback Jack’s caters to both adults and children with a relaxed, family-friendly atmosphere.

Founded by Graeme and Denise Diamond, the first store opened in Tamworth in 2005, and the franchise has expanded since. Today, franchisees benefit from:

• A strong, recognisable Australian brand.
• Negotiated supply chains for stock and equipment.
• Support with site selection, marketing, and operations.
• Head office lease negotiations through their head lease model.

The business is targeted primarily at the 18-35-year-old market, blending casual dining with full bar service and kids’ play areas.

How much can I borrow?

Depending on your financial position, security, and business plan, lenders may offer:

• Borrow 50%–60% of total franchise costs.
• Borrow up to 100% if you secure the loan with residential property.
• Loan term: Up to 10 years (aligned with the lease term).
• Loan term with property security: Up to 25–30 years.
• Interest-only period: Typically 2 years.
• Low doc options: Not available.
• Accountant-approved business plan and profit forecasts required.

The stronger your overall application, the better your loan terms and interest rates may be.

What financials do I need to apply?

Be ready to submit:

• 2 years of personal tax returns.
• 2 years of BAS if you’ve run a business before.
• Clean credit history.
• Business references showing your prior management experience.
• Profit forecasting showing Debt Service Cover Ratio (DSCR) of around 1.5x.

If you don’t have restaurant experience, proven management success in a similar business (such as a cafe or hospitality venue) can still strengthen your application.

What are the setup costs?

The total investment is typically around $450,000, which includes:

• Franchise fee: $49,500 (including GST)
• Conversion of existing restaurant: $250,000 (if applicable)
• Royalty: 8% of gross monthly revenue
• Marketing fee: 4% of annual gross turnover
• Costs may vary based on store size, condition, and location.

How does the lease work?

Outback Jack’s operates under a head lease model, meaning:

• The franchisor leases the premises directly.
• You sublease from Outback Jack’s as the franchisee.
• Outback Jack’s negotiates rental terms and handles landlord issues on your behalf.
• This arrangement helps you benefit from stronger negotiating power and reduces lease-related risks.

Red Rooster, an iconic Australian-owned quick service restaurant (QSR) brand operating for over 40 years, offers franchise opportunities with lender-approved finance options. Qualified applicants may borrow up to 60–70% of business costs, or 100% with residential property security. Loan terms typically span 10 years (or franchise agreement length), with up to 30 years available if secured by property. Business plans, cashflow forecasts, and strong borrower profiles are required. Low-doc and bad credit options are not available. Competitive commercial interest rates may be negotiated based on application strength.

Lenders typically require:

• 3 years of experience in a similar industry (hospitality, food service, or retail management).
• 2–3 years of personal/business financials (tax returns, BAS, P&L statements).
• A clear credit history.
• Business plan with market analysis, sales forecasts, start-up costs, and financial projections.
• Personal capital contribution for working capital (typically $30,000 minimum).

Initial investment costs typically range from $500,000 to $600,000 for start-up capital, plus:

• Franchise fee: $50,000 (excl. GST).
• Royalty fee: 5% of gross weekly sales.
• Marketing/advertising fund: 6% of gross weekly sales.
• Leasehold and fit-out costs, which vary by site type and location.

Franchisees receive extensive support including:

• 12 weeks of initial and ongoing training (covering food safety, cooking procedures, staffing, and financial management).
• Full national marketing support and high-profile promotional partnerships (e.g. DreamWorks, Warner Bros).
• Lease negotiation and head lease management by Red Rooster.
• Dedicated development managers and store operations managers.
• Site selection assistance, fit-out coordination, and operational systems support.

The franchise model allows for initial 10-year agreements, with options for an additional 10 years for freestanding locations. Shopping centre or food court sites may have shorter lease terms, which may impact franchise loan term length.

Revenue potential depends heavily on store location, operational efficiency, population growth, and local competition. Due diligence is crucial — prospective buyers should review the previous franchisee’s business financials and verify future growth potential with local councils.

The Red Rooster franchise model’s head lease structure lowers lender risk, which is why some banks offer higher loan-to-value ratios for qualified borrowers.

As with any business venture, independent legal and financial advice is strongly recommended prior to committing.

Subway, with over 300 locations across Australia, offers one of the most accessible entry points into fast-food franchising, featuring lower start-up costs and global brand strength. Qualified borrowers may finance up to 60% of business value for new stores, or up to 70% for existing stores — and up to 100% when secured by residential property. Loan terms typically span 10 years (or the franchise agreement term), extending to 25–30 years with property security. Business plans, financial forecasts, and lender assessments are mandatory; low-doc and bad credit options are not available. Negotiated interest rate discounts may apply via mortgage brokers.

To qualify, lenders generally require:

• 2 years of personal and/or business financials and tax returns.
• 2–3 years of prior business management experience (preferably in hospitality or retail).
• Debt Service Cover Ratio (DSCR) of approximately 1.5x.
• Detailed business plan with revenue forecasts and working capital needs.

Total franchise investment typically ranges from $195,000 to $360,000 (excl. GST, stamp duty, or key money), varying by store size and location. Additional costs include:

• Franchise fee: $16,500 (or $8,250 for additional stores).
• Royalties: ~8% of gross sales.
• Advertising fee: 4.5% of gross sales.

The bank’s risk assessment will factor in location, store profitability, and financial stability of the current franchise (if purchasing an existing store). Buyers are advised to request and review Subway’s Uniform Franchise Offering Circular (UFOC), which discloses full financial, legal, and operational obligations. Solicitor advice is strongly recommended before signing any agreements.

Franchisees benefit from Subway’s national marketing, brand equity, lower upfront costs compared to other fast-food giants, and growing consumer demand for healthier, value-driven meal options. However, success depends on franchisee involvement, site selection, operational management, and customer service execution.

SumoSalad offers franchise opportunities in the growing healthy fast food sector, supported by lender-approved finance options. Qualified borrowers may access up to 50% of total business costs for existing stores, or up to 100% with residential property security (subject to equity levels). New store funding is assessed on a case-by-case basis. Loan terms typically span 5 years (aligned to the franchise agreement), with 25–30 years available for property-backed loans. Interest-only options may apply for the first 2 years. Low-doc and bad credit options are not available; interest rate discounts may be negotiated via mortgage brokers.

Lenders generally require:

• 2–3 years managerial experience in the fast food, hospitality, or retail industry.
• 2–3 years of personal tax returns and/or business financials.
• Clear credit history.
• A business plan with revenue forecasts, cost projections, and financial modelling (prepared by an accountant).
• Debt-to-Service Cover Ratio (DSCR) of ~1.5x.
• Working capital contribution and/or residential security.

Total franchise investment ranges from $300,000 to $380,000 (plus GST), typically including:

• Franchise fee: $45,000 (plus GST)
• Working capital: $30,000–$50,000
• Stock & supplies: $10,000
• Store fit-out: Balance of the total investment.

Ongoing fees include:

• Royalties: 6% of gross sales.
• Marketing: 3% of gross sales.
• Renewal fee: $5,000.

Store formats vary:

• Traditional inline/kiosk stores (up to 50 sqm)
• Little Sumo kiosks (approx. 20 sqm)
• Green Label dine-in formats (up to 80 sqm)

Franchisees receive strong training and support:

• 2-day orientation at head office.
• 2 weeks in a training store plus 2 weeks of in-store launch support.
• Access to the Sumo Online Training System.
• Further educational pathways (Certificate III/IV in Retail, Diploma of Franchising).
• Post-launch local area marketing management and sales training.
• POS systems integrated with loyalty and reporting software.

Revenue varies based on location, store size, and operator skill, with typical customer spends averaging $7–$8. SumoSalad continues to capitalise on strong consumer demand for healthier quick-service options.

Applicants should request SumoSalad’s franchise kit (UFOC) early to review full costs and legal obligations. Pre-approval for finance is strongly recommended prior to signing any agreements.

.Multiple store ownership is possible but subject to lender exposure limits, sufficient collateral, and SumoSalad’s approval based on successful performance of the first store.

Telstra is one of Australia’s most recognisable telecommunications brands, offering a stable platform for entrepreneurs looking to enter retail business ownership. With no ongoing royalties or training fees, the Telstra licensee model presents a rare opportunity in franchising — but securing finance still requires the right preparation.

How Much Can I Borrow?

If you have a strong financial profile, business experience, and a solid plan, lenders may allow you to borrow between 50% and 70% of the total franchise costs. However, if you offer residential property as security, you may be able to borrow up to 100% of the franchise costs — freeing up your working capital for those crucial early months of operation.

Loan terms typically match the franchise agreement at five years, though terms of 25 to 30 years are possible with property security. Interest-only periods of up to two years are available in some cases. Importantly, low doc loans aren’t an option; lenders will expect full financial documentation.

A professionally prepared business plan will be essential. This should outline your sales projections, cash flow forecasts, marketing strategies, startup costs, and a detailed market analysis for your chosen location.

What Do Banks Look For?

Banks want confidence that you’re capable of running a Telstra store successfully. They’ll assess your past financial performance, requiring two to three years of personal tax returns and business financials if you’re self-employed. A clean credit history is mandatory.

Beyond financials, lenders place significant weight on your retail experience. Ideally, you’ll have three to five years in a managerial role within retail or telecommunications. The stronger your business background, the more flexibility you’ll likely have when negotiating terms.

If you’re purchasing an existing store, some banks may require evidence that the store has generated at least 2x EBITDA. Others may assess profitability on a case-by-case basis. Either way, they’ll want to know why the existing franchisee is selling.

What Will It Cost?

Unlike most franchises, Telstra doesn’t charge upfront licensing or royalty fees. The bulk of your upfront costs will go into the store fit-out, which Telstra will outline after you’ve completed the application process. Working capital, inventory purchases, professional fees, and standard business setup costs will also apply. While this can make Telstra more accessible than many franchises, strong capital reserves are still essential to cover these startup expenses.

The Franchise Application Process

Your application starts with an expression of interest on Telstra’s website, followed by a formal application and phone interview. If successful, you’ll sign confidentiality agreements, receive financial and operational documentation, and meet with Telstra’s Licensee Development Managers for final assessment.

After full legal and financial review, your fit-out begins while you complete in-store and full-time training. Only once these steps are complete will your store be ready for business.

Can You Hire a Manager?

No — Telstra requires that franchisees be hands-on owner-operators, directly involved in the day-to-day running of the store. This is not designed as a passive investment.

Expanding to Multiple Sites

You may apply for additional stores after running your first location successfully for at least 12 months. Each new location requires a separate application and approval process.

Due Diligence Is Critical

While Telstra’s reputation reduces certain risks, full due diligence is still essential. Evaluate your store location, conduct thorough market research, and carefully review the franchise disclosure documents (UFOC). Independent legal and financial advice is strongly recommended before signing any agreements.

If you’ve ever thought about starting your own sportswear store, The Athlete’s Foot franchise loan can give you the funding you need to make your business dreams a reality. With more than 30 years experience in offering turnkey franchises, The Athlete’s Foot is one of the leading athletic footwear companies in Australia.

Borrowers may access up to 50-60% of total business costs or 100% with residential property as security. Loan terms range from 10 years (or the franchise agreement length) to 25–30 years if property-secured.

To qualify, applicants must provide 2 years of personal tax returns, business activity statements (if applicable), a solid business plan with financial forecasts, and evidence of retail management experience. Existing store purchases require profitability of approximately 2.25x EBITDA. Low-doc options aren’t available, but commercial interest rate discounts may apply.

Banks favour The Athlete’s Foot due to its head lease model, reducing risk for both borrower and lender. Franchise costs typically run $400,000–$500,000, with a $90,000 franchise fee, 6% royalty, 2.25% marketing fee, and additional fees for renewals, transfers, and lease bonds.

Franchisees benefit from prime locations, bulk buying power, supplier discounts, expert stock selection support, and comprehensive training. While revenue depends on location and management, IBIS World reports The Athlete’s Foot’s annual revenue reached $3 billion across the sector in recent years.