ApplePie's AcquisitionEdge: Accelerate Franchise Growth

By: ApplePie Capital
Published: June 18th, 2025

Franchisees looking to expand their footprint through acquisitions now have a powerful solution: ApplePie Capital’s AcquisitionEdge. This financing program is purpose-built to simplify and accelerate the process of acquiring franchise units—whether you're a first-time owner entering the system or a seasoned operator ready to scale. With two distinct options—Acquisition Financing and Recap and Grow®—ApplePie provides franchise-friendly, efficient capital solutions tailored to modern growth strategies.

Acquisition Financing: Streamlined Funding for First-Time Franchisees

Breaking into franchising has never been easier. ApplePie’s Acquisition Financing offers a seamless path for new franchisees to acquire locations or territories without needing prior brand or business ownership experience.

Key advantages include:

• High Loan-to-Value Ratio: Finance up to 85% of your total project budget, including working capital for your transition period.
• Limited Collateral Requirements: Only the acquired location or territory is used as collateral. No personal assets are required—just a personal guarantee.
• No Business Appraisal Needed: The streamlined underwriting process eliminates the need for third-party valuations, saving time and money.
• 10-Year Fixed-Term Loans: Enjoy predictable payments with long-term financial stability.
• No Prepayment Penalty: You can pay off your loan early without incurring extra fees.
• Competitive Interest Rates: Typically 1–2 points lower than SBA loans, offering savings over time.

This combination of benefits enables franchisees to move quickly and efficiently when opportunity knocks—without the bureaucracy often associated with traditional lenders or SBA-backed loans.

Recap and Grow: Unlock Capital from Existing Success

For current franchise owners, ApplePie offers its proprietary Recap and Grow® program. This unique financing product allows you to leverage the equity in your existing business to fund additional acquisitions—potentially with no cash out of pocket.

Features include:

• Borrowing Capacity Up to 4.5x EBITDA: Unlock serious capital from your past performance.
• Cash-Out Flexibility: Receive funds based on your equity position, minus any outstanding debt.
• Ideal for New Units or Acquisitions: Use proceeds to acquire territories or locations that aren’t yet generating sufficient cash flow for traditional purchase loans.
• Minimal Collateral & Faster Approvals: Avoid common lending hurdles while moving at the speed your growth demands.

Together, these solutions provide the flexibility that franchisees and franchisors need to accelerate expansion plans and respond to market opportunities.

ApplePie Core Loan® vs. SBA 7(a): A Smarter Alternative
(For loans over $350,000)

Compared to the traditional SBA 7(a) program, the ApplePie Core Loan® offers a more franchise-friendly experience for loans over $350,000. There are no third-party valuation requirements, fewer lender fees, and no need for personal asset pledges. Plus, ApplePie provides a more streamlined, personalized underwriting process designed specifically for franchise systems.

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Ready to Learn More?

To explore how AcquisitionEdge can support your franchise goals, visit applepiecapital.com, start an inquiry here, or email loans@applepiecapital.com.

Grow smarter. Move faster. Own more—with ApplePie AcquisitionEdge.

The ApplePie Core loan, available through our affiliate ApplePie Capital, Inc. is made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. This is not a deposit product. Actual loan terms depend on credit, income, loan maturity, and other factors.

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