Franchise growth usually involves more than one funding decision. Viewpoint Finance Group’s franchise finance page states that franchise funding needs can include purchase finance, fit-out and equipment funding, working capital, expansion lending and refinancing. That matters because growth often creates pressure on cash flow well before the upside of the new site, refurbishment or expansion is fully realised.

Before taking on new debt or expansion costs, buyers and operators should go back to the fundamentals. The ACCC says prospective franchisees should understand the key documents, ask questions, talk to current and former franchisees, and seek independent legal, accounting and business advice from franchising experts. It also says franchisees should speak to at least 5 current and 5 former franchisees to get a range of perspectives on what the business is really like.

The documents matter even more now because the current disclosure rules require more transparency around future costs. The ACCC says disclosure documents must include certain details where a franchisee must pay into a specific purpose fund and include additional information about significant capital expenditure during the term of the franchise agreement from 1 November 2025. That means expansion decisions should not just focus on the upfront finance requirement; they should also account for future refurbishments, rebranding, technology upgrades and other costs the agreement may require.

Good franchise finance is not just about getting approved. It is about structuring the funding so the business can operate comfortably after settlement, during ramp-up and through the next stage of growth.

Viewpoint Finance Group helps franchise buyers and operators put that structure in place with clear, practical advice tailored to where the business is now and what comes next.