Opening a retail franchise is an exciting opportunity, but one of the biggest hurdles new franchise owners face is the buildout process. From signage and point-of-sale (POS) systems to shelving and furniture, outfitting your store requires a major investment. Having the right funding strategy and equipment checklist ensures you stay on budget while meeting franchise requirements.
High Upfront Costs – A typical retail franchise buildout ranges from $100,000 to $500,000+.
Franchise Standards – Franchisors often require specific fixtures and equipment.
Cash Flow Protection – Financing allows you to spread costs over time while keeping working capital free.
Faster Launch – Funding ensures you can open on schedule without delays.
Here’s a breakdown of the most common equipment and tools needed to launch your franchise:
Commercial shelving and display racks
Checkout counters and cabinetry
Lighting systems and fixtures
Flooring and wall décor per franchise specs
POS systems with barcode scanners
Cash drawers and receipt printers
Computers, tablets, and payment terminals
Security cameras and alarm systems
Interior and exterior franchise signage
Digital menu boards or display screens
Window graphics and wall wraps
Stockroom shelving and storage units
Shopping carts or baskets
Back-office furniture and filing systems
Food/Retail Hybrid: Refrigerators, freezers, food prep stations
Apparel: Clothing racks, mannequins, fitting room buildouts
Electronics: Demo stations, product security devices
Finance shelving, POS systems, and fixtures.
Fixed monthly payments with ownership.
Lower upfront cost.
Good for POS systems and technology that change quickly.
SBA 7(a) loans can cover franchise fees, buildouts, and equipment.
Long repayment terms and lower rates.
Many franchisors and suppliers offer in-house financing for required equipment.
Useful for covering ongoing inventory and operating costs.
A franchisee launching a convenience retail franchise estimates:
Fixtures & Shelving = $80,000
POS Systems & Tech = $25,000
Signage & Branding = $15,000
Back Office & Storage = $10,000
Total Equipment Cost: $130,000
With a 7-year SBA loan at 7% interest, payments would be about $1,950/month—allowing the store to open without depleting personal savings.
✔ Work closely with your franchisor to ensure compliance with specs.
✔ Get multiple quotes for equipment vendors.
✔ Finance long-life assets (fixtures, shelving) and lease short-life assets (POS systems, tech).
✔ Plan for hidden costs such as permits, delivery, and installation.
Funding a retail franchise buildout doesn’t have to be overwhelming. With the right financing mix—loans, leasing, or SBA programs—you can equip your store fully, meet franchise requirements, and preserve working capital. By following an equipment checklist and structured funding plan, you’ll set up your franchise for a successful launch and long-term profitability.