Franchise New Locations

Build New Locations

Whether you're talking expansion or looking for help efficiently managing the build-out of new locations, our Franchise Financing Experts can provide guidance to fuel growth and optimize your operations.

Renovate and Upgrade Your Franchise

Renovate and Upgrade

When it's time to renovate your locations or rebrand, we'll help you find the best solutions to minimize cash flow impact and to maximize unit value per location. 

Refinance Your Franchise Loan

Refinance Existing Loans

Consolidate term debt to free up collateral to open additional units - with a partner that has a proven track record in the franchise lending space.  

Franchise Equipment Financing

Quick and Easy Equipment Financing

When it comes time to upgrade or replace equipment, we have fixed rate solutions that will meet your needs and keep your business running efficiently. 

  Osgood Franchise Financing
Osgood Franchise Financing with an SBA Guarantee
Fast Approvals (typically 14 days or less after a full package has been received)  
Projection Based Lending
Equipment Financing
Lowest Rates  
Available with Most Brands  
Personal Guarantees (PGs) Given the size, complexity, and duration of our relationship PGs may be required.  A lender will discuss any potential PG requirements when we review your request. Typically required for those owning more than 20% of the business. 


Applying for franchise financing is quick and easy so you get the capital
you need to maximize your future growth.

Personal Tax Returns

3 years of business and personal tax returns

Finance Statement-01

Current year profit and loss statement, personal finance statement, and business debt schedule

Price Estimates

Cost estimates for your projects to be financed

"Osgood bank has funded a number of deals for both of our brands. Osgood’s knowledge of the franchise industry and their ability to make quick decisions on funding, is extremely helpful in getting deals done and funded in a short period of time. Their ability to handle both FF&E funding, along with building mortgages and small equipment loans helps all aspects of our business."
- Ray Wiley, CEO Rapid Fire Pizza and Hot Head Burritos

"As a self-employed, outsourced CFO representing over 50 small businesses, I spend a majority of my time putting financing deals together for various businesses. Over the last ten years, Osgood State Bank has become my bank of choice. Tony and Katey have managed to separate themselves from the competition based on their unique ability to deeply understand their customer’s business as well as both their current and future needs and then develop a plan to best meet those needs."

-Bill McGowan, CPA


Schedule Your Good Fit Financing Meeting

Meet With a Franchise Financing Expert
Tony 23

As CEO, I am highly engaged with many of the franchises we work with. I'll serve in an advisory role to help you define long-term strategies to help fund, optimize, and grow your businesses. 


As the Senior Lending Officer, when you want to expand or have a question about your relationship, I'm just quick call or text away.  I'll provide sound advice and quick responses as we partner together to grow your business.


With over 25 years of banking and lending experience, I will provide a high level of service and quick response time to Franchisees. Whether your need is financial or strategic, I’m here to help.

Zach 23

I take great pride in partnering with businesses to help them achieve their financial goals. With 15 + years of banking experience I am confident in my ability to think outside of the box and provide you with the best strategic advice.

Get Answers To Frequently Asked Questions About Franchise Financing

Why choose Osgood Bank for franchise financing?

We have the service touch of a traditional community bank coupled with deep experience in franchise systems and lending.  Our goal is to become your trusted financial partner so we can process credit requests fasters than our competitors, provide sound advise for growth, and help operators reach their long term goals.

What is Osgood Bank's typical loan size?

We offer programs to provide conventional financing for requests up to $5,000,000.  Larger requests can be funded through a syndicate of funding partnerships with other banks that we have established.  Regardless of deal size, Osgood Bank will be your single point-of-contact for your lending relationship. 

Are SBA guarantees required?

No.  We typically do not pursue SBA guarantees unless it's requested by the borrower to obtain a particular rate or structure. 

What are Osgood Bank's typical terms?

A typical franchise loan to fund a new location will typically be a 5-10 year term, fully amortized - with an initial 12 month interest only period during construction and stabilization.  Our rates and fees are highly competitive.