Multi-Location Business Funding

Larger facilities sized across all your locations. Approved on your combined monthly deposits — funded in as little as 24 hours, no collateral for working capital.

Who this is for

You run more than one location. Maybe three units, maybe fifteen. Maybe a franchise group carrying several stores under one operator, or a multi-unit brand where each door pulls its own weight. Across all of them, real money moves through the bank every month — $50,000, $100,000, often far more.

That combined volume is exactly what we underwrite. A lot of lenders look at each location as a separate little business and hand you small, one-off approvals. We look at the whole operation. When your locations together are doing serious deposits, you qualify for a serious facility — not a stack of tiny loans you have to babysit.

How much you can get — and how it scales

Funding runs from $10,000 to $5,000,000. For multi-unit operators, the amount is driven by your total monthly deposits across locations. The stronger and more consistent that combined revenue is, the larger the facility and the better the terms.

Real example: a four-location operator averaging $90,000/month in combined deposits — roughly $1.08M a year — sends in three months of business bank statements. Underwriting sees steady volume across the group and approves a facility large enough to renovate two units and stock up ahead of peak season, without draining cash from the other doors. Bigger combined deposits push that number higher.

• One facility, all your locations. Sized against combined revenue, not siloed per store.
• Deposits set the ceiling. Grow the top line and your available amount grows with it on renewal.
• No collateral for working capital. We're not asking you to pledge your buildings or equipment.

How it works

What serious multi-unit operators use it for

• Opening or acquiring the next location without stalling the others
• Buying out a partner or absorbing a franchisee's units
• Renovating or rebranding several stores at once to brand standard
• Bulk inventory and supply buys across all locations to hit volume pricing
• Payroll and staffing through a seasonal ramp across the group
• Equipment for a new build-out or a full fleet refresh
• Covering franchise fees, remodels, or renewal requirements from the franchisor

Who qualifies

• Established business operating multiple locations or units
• Strong, consistent monthly deposits across the group (serious volume — think $50K–$100K+/month combined)
• A few months of business bank statements you can share
• FICO 500+ (we lead with revenue, not credit)
• Minimum funding amount is $10,000

Straight answers

Can one facility cover all my locations?

Yes. That's the point of multi-location funding — one approval sized against your combined deposits, so you're not juggling a separate loan for every door.

Do all my locations need to be profitable?

No. We underwrite the total picture. If the group's combined deposits are strong and consistent, a slower unit doesn't sink the approval.

I run a franchise group. Does that work?

Yes. Franchise groups and multi-unit franchisees are a core fit. We size the facility across your units and can help with remodels, renewals, or acquiring more locations.

How is the amount decided?

Mainly by your combined monthly deposits. The higher and steadier the revenue across locations, the larger the facility and the better the terms.

How fast can we actually get funded?

As little as 24 hours. If your statements are in and the agreement is signed before early afternoon ET on a weekday, it can fund the same day. Friday afternoon typically funds Monday.

Will checking hurt my credit?

No. Seeing your options is a soft pull. There's no hit to your score just to find out what you qualify for.

Ready when you are

If your locations are moving real volume every month, you've earned a facility that treats the whole operation like the business it is. Send your statements, see your number, and put capital behind your next move.