: While SBA loans typically require 10% down, if you have a guarantor or co-signer with strong credit and assets, you can often secure the full amount without using your own cash. Target Low-Overhead Franchise Models
: Some service-based and brick-and-mortar brands have formal programs to transition top-performing managers into owners, often with little to no upfront cash required as a reward for their "sweat equity" and proven performance. Leveraging Alternative Capital Sources
: You can use funds from an eligible 401(k) or IRA to finance your franchise without facing early withdrawal penalties or tax hits.
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