Financing Your Business & Franchise Can Count On
We turn over every stone to find your funding solutions. Whether you need an SBA loan for a new franchise location, a debt-free 401(k) ROBS rollover, working capital, or equipment leasing, our expert team tailors the right capital stack for your goals.
Sister CompanyMaria Rogers and the Stone Funding Solutions network connect you directly with premier national lending institutions, non-traditional lenders, and rollover specialists that understand franchise unit economics.
Explore Your Funding Options
Every business and candidate is unique. Click any program below to explore typical terms, approval speeds, and ideal fit.
SBA 7(a) & 504 Loans
The gold standard for franchise buyers. Provides long amortization (up to 10-25 years), lower equity injection requirements (often 10-20%), and competitive interest rates without balloon payments.
ROBS Program (401k / IRA Rollover)
Use your existing retirement funds (401k, 403b, Traditional IRA) to invest into your franchise business without early withdrawal penalties or incurring commercial debt. You purchase stock in your own C-Corporation.
Unsecured Business Loans & Lines of Credit
Fast-approval financing based on your strong credit profile. Ideal for initial working capital, deposits, initial franchise fees, and operating ramp-up costs.
Equipment Purchase & Leasing
Finance machinery, commercial vehicles, technology, sports court surface equipment, kitchen setups, and computers. Tax deductible advantages under Section 179 often apply.
Home Equity Line of Credit (HELOC)
A revolving credit line secured by the equity in your home. Tap into funds on-demand to cover build-out gaps, franchise fees, or working capital reserves while only paying interest on what you draw.
Business Term Loans
Traditional lump-sum commercial loans with set repayment schedules and fixed interest rates. Clear predictability for forecasting monthly cash flows.
Securities-Based Lending
Pledge non-retirement stocks, bonds, or mutual funds as collateral to obtain a liquid line of credit (typically 70-90% of portfolio value) without triggering capital gains taxes or selling shares.
Business Acquisition & Bridge Financing
Structured capital designed specifically for buying out existing franchise locations or competitors, with interim bridge loans to close transactions before permanent financing settles.
Why Choose Non-Traditional Financing Over Banks?
Non-traditional financing offers flexibility and a broader range of options compared to traditional banks. While banks often have rigid criteria and limited product offerings, non-traditional lenders provide customized solutions designed to meet your unique needs.
From start-up capital to growth funding and turnaround solutions, non-traditional financing can adapt to your business's evolving requirements. At Stone Funding Solutions, we understand that each stage of your business requires different types of financial support.
- • One-dimensional lending
- • Rigid underwriting ratios
- • Slow 90+ day turnaround
- • Heavily collateral-dependent
- • 16+ diverse capital programs
- • Flexible credit & asset matching
- • Approvals in 24 hrs to 3 weeks
- • Debt-free 401(k) ROBS rollovers
Experienced Certified Professionals
Serving business clients nationwide
In today's credit market, most big banks have a policy to lend money primarily to businesses that already have excess liquidity. With our expertise and nationwide partnerships across specialty lenders, Stone Funding Solutions crafts the complete funding structure to get your doors open.
We turn over every stone to find your funding solutions
Business Funding Quick App
Complete the form below to start your funding evaluation across our national lender network.
Prefer to Speak Directly with a Funding Specialist?
Schedule a confidential 30-minute funding consultation with Maria Rogers to walk through your franchise investment budget, calculate borrowing capacity, and verify pre-qualification.