Krispy Kreme Franchise Loan: The Complete Financing Guide for Krispy Kreme Franchise Owners

The sight of the iconic "Hot Now" sign glowing red is a beacon of joy for millions, signaling that fresh, warm Original Glazed doughnuts are rolling off the line. Krispy Kreme is more than just a doughnut shop; it is a beloved American institution with a passionate following and powerful brand recognition. For aspiring entrepreneurs, owning a Krispy Kreme franchise represents a unique opportunity to tap into this legacy, serving a product that inspires delight and builds community. However, launching a world-class brand like Krispy Kreme requires a significant financial investment, and securing the right financing is the critical first step on the path to ownership.

Navigating the world of commercial lending can be complex, but it does not have to be an obstacle to your entrepreneurial dream. This comprehensive guide is designed to demystify the process of financing a Krispy Kreme franchise. We will break down the complete krispy kreme franchise cost, explore the most effective loan options available, and provide a clear roadmap for preparing and submitting a successful loan application. At Crestmont Capital, we specialize in helping entrepreneurs like you access the capital they need to build thriving businesses, and this guide is your all-in-one resource for turning your vision of owning a Krispy Kreme into a well-funded reality.

What Is a Krispy Kreme Franchise?

Founded in 1937 in Winston-Salem, North Carolina, by Vernon Rudolph, Krispy Kreme started with a secret recipe for yeast-raised doughnuts purchased from a New Orleans chef. Rudolph began by selling his doughnuts to local grocery stores, but the irresistible aroma soon drew customers to his production facility, asking to buy them hot and fresh. He cut a hole in an outside wall and started selling his Original Glazed doughnuts directly to passersby on the sidewalk. This simple act of customer service laid the foundation for a global phenomenon.

Today, Krispy Kreme is an internationally recognized brand with over 1,400 retail shops in more than 30 countries. The core of its appeal remains the same: the multi-sensory experience of watching doughnuts being made in the "Doughnut Theater" and enjoying one melt-in-your-mouth warm. The "Hot Light" is not just a sign; it is a powerful marketing tool and a promise of an unparalleled treat. This emotional connection with customers is a significant competitive advantage for any franchisee.

A Krispy Kreme franchise is more than a simple food service business; it is an opportunity to become a steward of a cherished brand. The company has developed a sophisticated and supportive franchise system that provides owners with a proven business model, comprehensive training, ongoing operational support, and powerful marketing resources. Franchisees benefit from the company's continuous innovation in doughnut flavors, beverage offerings like coffee and frozen drinks, and retail strategies that include drive-thrus, online ordering, and delivery partnerships.

The business model typically involves a "Factory Store" or "Hot Light Theater Shop," which produces doughnuts for its own retail sales as well as for distribution to smaller "Fresh Shops" or "Tunnel Oven Shops" and off-premises sales channels like grocery stores and convenience stores. This hub-and-spoke model allows for efficient production and wide market penetration, creating multiple revenue streams for the franchisee. Investing in a Krispy Kreme franchise means buying into a system built on decades of success, brand loyalty, and a product that consistently brings people together.

Krispy Kreme Franchise Cost Breakdown

Understanding the full financial commitment is the most critical aspect of planning for your Krispy Kreme franchise. The total investment can vary significantly based on factors like location, store size, real estate costs (whether you lease or buy), and the specific type of store model you develop. Krispy Kreme's Franchise Disclosure Document (FDD) provides a detailed range for the estimated initial investment. Aspiring franchisees should be prepared for a total cost ranging from approximately $440,000 to over $2.1 million for a flagship "Factory Store" model. Smaller formats like "Fresh Shops" may have a lower entry point.

Let's break down the key components of the krispy kreme franchise cost:

• Initial Franchise Fee: This is the upfront fee paid to Krispy Kreme for the right to use their brand name, trademarks, and operating system. The initial franchise fee is typically between $12,500 and $25,000 per store, depending on the format.
• Real Estate and Site Development: This is often the largest and most variable expense. It includes costs for purchasing or leasing property, architectural design, obtaining permits, and construction or leasehold improvements to meet Krispy Kreme's specific brand standards. These costs can easily run from $200,000 to over $1,000,000.
• Equipment Package: A Krispy Kreme franchise requires highly specialized and proprietary equipment, including the custom-built doughnut-making machine that forms the centerpiece of the "Doughnut Theater." The total equipment package, which also includes ovens, fryers, display cases, and point-of-sale (POS) systems, can range from $300,000 to $550,000.
• Signage and Decor: To maintain brand consistency, your store must feature the official Krispy Kreme signage, interior decor, and furniture package. This can cost anywhere from $30,000 to $70,000.
• Initial Inventory and Supplies: This covers your first order of doughnut ingredients, packaging, coffee, beverages, and other supplies needed to open your doors. Expect to spend between $20,000 and $50,000.
• Training Expenses: While Krispy Kreme provides the training program, you are responsible for the travel, lodging, and living expenses for you and your management team during the extensive training period. This can add another $25,000 to $35,000 to your startup costs.
• Grand Opening Marketing: To ensure a successful launch, you will need to invest in local marketing and advertising to build excitement for your grand opening. Krispy Kreme requires a minimum spend, typically around $15,000 to $30,000.
• Additional Funds (Working Capital): This is crucial. It is the cash reserve you need to cover operating expenses like payroll, rent, utilities, and supplies for the first three to six months of operation before your business becomes self-sustaining. Lenders will require you to have a healthy amount of working capital, typically estimated between $60,000 and $100,000.

In addition to these initial costs, franchisees must also account for ongoing fees:

• Royalty Fee: A recurring fee paid to the franchisor, calculated as a percentage of your gross sales. Krispy Kreme's royalty fee is 4.5% of net sales.
• Brand Fund Contribution: This fee contributes to national and regional marketing and advertising efforts that benefit all franchisees. This is typically 2.0% of net sales.

Given the substantial investment required, very few entrepreneurs can fund a Krispy Kreme franchise with personal cash alone. This is where strategic business financing becomes essential.

Financing Options for Krispy Kreme Franchisees

Securing a multi-million dollar loan can seem daunting, but a strong brand like Krispy Kreme significantly improves your chances. Lenders view franchises favorably because they operate on a proven business model, reducing the inherent risk of a startup. Here are the most common and effective financing solutions for aspiring Krispy Kreme owners:

1. SBA Loans

Loans backed by the U.S. Small Business Administration (SBA) are often considered the gold standard for franchise financing. The SBA does not lend money directly; instead, it provides a government guarantee on a portion of the loan made by a partner lender like Crestmont Capital. This guarantee reduces the lender's risk, making them more willing to offer favorable terms, such as lower down payments, longer repayment periods, and competitive interest rates. The two most popular SBA loan programs for franchisees are the 7(a) and the 504.

2. Traditional Bank Loans

Conventional term loans from traditional banks or credit unions are another viable option, especially for applicants with a strong financial history, excellent credit, and significant collateral. These loans often have stricter qualification criteria and may require a larger down payment (typically 20-30%) compared to SBA loans. However, they can sometimes offer very competitive interest rates and a more straightforward application process for well-qualified borrowers.

3. Equipment Financing

Given that a significant portion of the krispy kreme franchise cost is tied up in specialized machinery, equipment financing is an excellent tool. This type of loan is specifically for purchasing machinery and equipment. The equipment itself serves as collateral for the loan, which can make it easier to qualify for. This allows you to conserve your primary business loan (like an SBA loan) for other critical expenses like real estate and working capital. Terms typically match the expected lifespan of the equipment.

4. Working Capital Loans

Even with your startup costs covered, you will need cash on hand to manage day-to-day operations. A working capital loan or a business line of credit provides the liquidity needed to cover payroll, inventory, marketing, and unexpected expenses during the crucial first few months. While your primary loan may include some working capital, a separate line of credit offers flexibility, allowing you to draw funds as needed and only pay interest on what you use.

5. Rollovers for Business Start-ups (ROBS)

For entrepreneurs with significant retirement savings in a 401(k) or IRA, a ROBS plan allows you to use those funds to finance your business without incurring early withdrawal penalties or taxes. This is a complex process that involves creating a C corporation and a new 401(k) plan for that corporation. It is not a loan, so there is no debt to repay, but it requires careful setup with a specialized ROBS provider to ensure compliance with IRS and Department of Labor regulations.

SBA Loans: The Gold Standard for Krispy Kreme Franchises

For most Krispy Kreme franchise candidates, an SBA loan is the most advantageous path to funding. The government guarantee encourages lenders to provide capital to small businesses that might not qualify for conventional loans, and the terms are designed to support long-term success. Let's delve into the specifics of the most relevant programs.

The SBA 7(a) Loan Program

The SBA 7(a) is the SBA's most popular and flexible loan program. It is an all-purpose loan that can be used for a wide variety of business needs, making it ideal for funding a new franchise from the ground up.

Use of Funds:

• Purchasing real estate (land and building)
• Construction and leasehold improvements
• Acquiring equipment, machinery, and fixtures
• Covering the franchise fee
• Long-term working capital
• Refinancing existing business debt

Loan Amounts and Terms:

• Maximum Loan Amount: Up to $5 million. This is generally sufficient to cover the entire krispy kreme franchise cost, even for a high-end Factory Store.
• Repayment Terms: Terms are extended, which helps keep monthly payments manageable. Up to 10 years for working capital and equipment, and up to 25 years for real estate.
• Down Payment: Typically requires a lower down payment than conventional loans, often in the 10-20% range. This is a significant advantage, as it allows you to preserve more of your personal capital.
• Interest Rates: Rates can be fixed or variable and are capped by the SBA, ensuring they remain competitive. They are typically calculated as a base rate (like the Prime Rate) plus a lender's spread.

The comprehensive nature of the SBA 7(a) loan makes it a one-stop solution for financing your entire Krispy Kreme project, from breaking ground to your grand opening day.

The SBA 504 Loan Program

The SBA 504 loan program is designed specifically for financing major fixed assets, such as commercial real estate and long-term equipment. It has a different structure than the 7(a) loan, involving three parties:

1. A Senior Lender (like a bank or Crestmont Capital): Finances up to 50% of the project cost.
2. A Certified Development Company (CDC): A nonprofit partner of the SBA that finances up to 40% of the project cost through an SBA-guaranteed loan.
3. The Borrower (You): Contributes a down payment of as little as 10% of the project cost.

Key Advantages:

• Low Down Payment: The 10% equity injection is a major benefit for a capital-intensive project like a Krispy Kreme store.
• Long-Term, Fixed-Rate Financing: The CDC portion of the loan comes with a long-term (20 or 25 years for real estate) fixed interest rate, providing stability and predictable monthly payments.
• Ideal for Real Estate: If your business plan involves purchasing and constructing your building, the 504 program is often the most cost-effective financing structure available.

A common strategy is to use an SBA 504 loan to finance the building and major doughnut-making equipment, and then secure a separate, smaller working capital loan to cover the remaining startup expenses.

Equipment Financing for Your Donut-Making Machinery

The heart of every Krispy Kreme "Hot Light Theater Shop" is the state-of-the-art, automated doughnut-making machine. This piece of equipment alone represents a substantial investment. This is where dedicated equipment financing becomes an invaluable tool in your funding strategy. As mentioned, the krispy kreme franchise cost includes a hefty price tag for equipment, ranging from $300,000 to over $550,000.

Instead of tying up your primary SBA or conventional loan capital on machinery, an equipment loan or lease allows you to finance these assets separately. Here is how it works and why it is so beneficial:

• The Asset as Collateral: In an equipment financing agreement, the doughnut machine, ovens, proofers, and other machinery you are purchasing serve as the collateral for the loan. This self-securing nature often leads to higher approval rates and faster funding times compared to unsecured loans.
• Preserves Cash Flow: By financing your equipment, you avoid a massive upfront cash outlay. This preserves your working capital for other essential needs like hiring staff, marketing, and managing daily operations. You can make predictable monthly payments over the term of the loan while the equipment is already generating revenue for your business.
• 100% Financing: Many equipment financing agreements can cover up to 100% of the equipment's cost, including "soft costs" like taxes, shipping, and installation fees. This further reduces your initial out-of-pocket expenses.
• Fixed Payments: Most equipment loans come with fixed interest rates and a set repayment schedule, making it easy to budget and forecast your expenses accurately.
• Builds Business Credit: Making timely payments on an equipment loan helps build a positive credit history for your business, which can make it easier to secure other types of financing in the future.

A smart financing strategy might involve using an SBA loan for the real estate and build-out, and then leveraging an equipment loan from a lender like Crestmont Capital to acquire the entire machinery package. This layered approach can optimize your capital structure and improve the overall strength of your loan application. This is a common strategy used by franchisees of other major brands, such as those seeking a Dunkin' franchise loan, to manage their capital effectively.

How to Qualify for a Krispy Kreme Franchise Loan

Qualifying for a Krispy Kreme franchise loan involves meeting the requirements of both the franchisor (Krispy Kreme) and the lender (like Crestmont Capital). Your goal is to present yourself as a low-risk, high-potential candidate who is well-prepared for success.

Krispy Kreme's Franchisee Requirements

Before you can even seek a loan, you must be approved as a franchisee by Krispy Kreme. The company is selective and looks for candidates with strong business acumen and financial stability. Key requirements typically include:

• Financial Standing: Krispy Kreme generally requires prospective multi-unit developers to have a minimum liquid capital of $300,000 and a minimum net worth of $1,000,000. Liquidity refers to cash or assets that can be quickly converted to cash.
• Business Experience: While direct restaurant experience is a plus, it is not always mandatory. However, they look for a proven track record of success in business management, sales, marketing, and operations. Experience in multi-unit management is highly preferred.
• Commitment to the Brand: You must demonstrate a passion for the Krispy Kreme brand and a commitment to upholding its high standards of quality and customer service.
• Development Agreement: Krispy Kreme typically awards franchise rights to developers who commit to opening multiple stores in a designated territory over a set period.

Lender's Loan Qualification Requirements

Once you have been vetted by Krispy Kreme, you need to meet the lender's criteria. Lenders will perform a thorough analysis of your financial health and business plan. Key factors include:

• Good Personal Credit Score: Your personal credit history is a primary indicator of your financial responsibility. Most lenders, especially for SBA loans, will look for a FICO score of 680 or higher.
• Sufficient Down Payment (Equity Injection): Lenders require you to have some "skin in the game." For an SBA loan, this is typically at least 10% of the total project cost. For a conventional loan, it could be 20-30%. This capital can come from personal savings, a ROBS plan, or even a gift from a family member (with proper documentation).
• Relevant Management Experience: Your resume matters. Lenders want to see that you have the skills and experience necessary to run a successful quick-service restaurant. If you lack direct experience, you may need to show that you have hired an experienced general manager.
• A Comprehensive Business Plan: This is your blueprint for success. It must include detailed financial projections, a marketing plan, an analysis of the local market and competition, and details on your management team.
• Collateral: While SBA loans are cash-flow based, lenders still seek to secure the loan with available collateral. This can include the business assets being purchased (real estate, equipment) as well as personal assets, such as a lien on your home.

Your Step-by-Step Guide to the Loan Application Process

With a clear understanding of the costs and qualifications, you can approach the application process in a structured, organized manner. Follow these steps to maximize your chances of approval.

Step 1: Initial Approval from Krispy Kreme
Your journey begins with the franchisor. You must complete their application, go through their discovery process, and receive approval to become a Krispy Kreme franchisee. This approval is a prerequisite for any serious loan consideration.

Step 2: Develop a Rock-Solid Business Plan
This is the most critical document in your loan package. Work with an accountant or business consultant to create a professional plan that includes:

• An executive summary
• A detailed description of your business and location
• Market analysis and competitive landscape
• Your management team's bios and experience
• A detailed marketing and sales strategy
• A complete breakdown of startup costs and sources of funds
• Three to five years of financial projections, including profit and loss statements, cash flow statements, and a balance sheet.

Step 3: Gather All Necessary Financial Documents
Lenders require extensive documentation to verify your financial standing. Start gathering these early:

• Personal and business tax returns for the last 3 years
• Personal financial statements listing all assets and liabilities
• Recent bank statements (personal and business)
• Resumes for all principal owners
• Your signed Franchise Agreement from Krispy Kreme
• Real estate purchase agreement or lease agreement for your location
• Copies of business licenses and registrations

Step 4: Choose the Right Lender
Not all lenders are created equal. Look for a lender with deep experience in franchise financing, particularly with SBA loans. An SBA Preferred Lender like Crestmont Capital can approve loans in-house without sending them to the SBA, dramatically speeding up the process. Compare terms, rates, and the level of support offered by different institutions.

Step 5: Submit Your Loan Application
Work closely with your loan officer to complete the application accurately and submit your entire document package. A complete and well-organized package demonstrates your professionalism and makes the underwriter's job easier, leading to a faster decision.

Step 6: The Underwriting and Approval Process
During underwriting, the lender's team will meticulously review your credit, financials, business plan, and collateral. They may come back with questions or requests for additional information. Be responsive and transparent. Once underwriting is complete, you will receive a commitment letter outlining the terms of the loan if you are approved.

Step 7: Closing and Funding
The final step is the loan closing, where you will sign all the final legal documents. Once the closing is complete, the funds will be disbursed according to a pre-arranged schedule, allowing you to pay your franchise fee, purchase equipment, and begin construction.

What Lenders Look For in a Krispy Kreme Loan Applicant

When an underwriter at a financial institution like Crestmont Capital reviews your loan application for a Krispy Kreme franchise, they are essentially assessing risk. They use a framework often referred to as the "5 Cs of Credit" to determine your creditworthiness and the likelihood that the loan will be repaid in full and on time. Understanding these five pillars will help you prepare an application that instills confidence.

1. Character (Credit History): This is a reflection of your reputation and reliability. Lenders will pull your personal credit report to see your history of managing debt. They look for a high credit score (ideally above 700), a long history of on-time payments, and a low debt-to-income ratio. Any past bankruptcies, foreclosures, or collections will be significant red flags that you must be prepared to explain.

2. Capacity (Cash Flow): This refers to your ability to repay the loan from the cash flow your new Krispy Kreme franchise will generate. Your business plan's financial projections are crucial here. Lenders will calculate a Debt Service Coverage Ratio (DSCR), which compares your projected net operating income to your total loan payments. A healthy DSCR (typically 1.25x or higher) shows there is a sufficient cash cushion to cover the debt even if revenues are slightly lower than projected.

3. Capital (Equity Injection): As discussed, this is the amount of your own money you are investing in the project. A significant down payment (your "skin in the game") demonstrates your personal commitment to the venture's success and reduces the lender's risk. A 10-20% capital injection is the standard expectation for an SBA-backed franchise loan.

4. Collateral (Assets): Collateral is the secondary source of repayment if the business's cash flow fails. For a Krispy Kreme loan, the collateral typically includes the business assets being financed-the commercial real estate, the doughnut-making machinery, and other equipment. Lenders may also require a personal guarantee and place a lien on your personal residence, especially for large loans.

5. Conditions: This refers to the external factors surrounding the loan. Lenders will consider the overall economic climate, the health of the quick-service restaurant industry, and the specific conditions of your local market. They will also analyze the strength of the Krispy Kreme brand itself, which is a major positive condition. Your business plan should demonstrate a keen awareness of your local market conditions, including demographics, traffic patterns, and competition from other brands like Tim Hortons or local bakeries.

By proactively addressing all five of these areas in your application and business plan, you present a compelling case that you are a well-prepared, low-risk borrower ready for success.

Real-World Financing Scenarios for a Krispy Kreme Store

To make these concepts more concrete, let's explore a few hypothetical scenarios of how a franchisee might structure their financing.

Scenario 1: The New Franchisee - Full Financing with an SBA 7(a) Loan

• Applicant: Sarah, a former corporate manager with a strong credit score (740) and $200,000 in personal savings.
• Project: A new Krispy Kreme "Fresh Shop" in a leased retail space.
• Total Project Cost: $850,000 (includes franchise fee, build-out, equipment, and working capital).
• Financing Strategy: Sarah applies for an SBA 7(a) loan.
  • Total Loan Amount: $765,000 (90% of the project cost).
  • Down Payment (Equity Injection): $85,000 (10% from her savings).
  • Remaining Capital: Sarah keeps the remaining $115,000 of her savings as post-closing liquidity and an emergency fund, which strengthens her application.
• Outcome: The single SBA 7(a) loan covers nearly all startup costs, providing a streamlined funding solution with a long repayment term and a manageable down payment.

Scenario 2: The Experienced Operator - Real Estate Purchase with an SBA 504 Loan

• Applicant: David, an experienced multi-unit restaurant operator looking to build a flagship Krispy Kreme "Factory Store."
• Project: Purchase land and construct a new building.
• Total Project Cost: $2,000,000 ($1.2M for real estate, $550k for equipment, $250k for other costs).
• Financing Strategy: David uses a combination of an SBA 504 loan for fixed assets and a separate working capital loan.
  • SBA 504 Loan for Real Estate & Equipment ($1.75M):
    • Bank Loan (50%): $875,000
    • SBA/CDC Loan (40%): $700,000
    • David's Down Payment (10%): $175,000
  • Working Capital Loan: David secures a separate $150,000 small business loan to cover the franchise fee and initial operating expenses.
• Outcome: This structure allows David to purchase his real estate with only a 10% down payment and lock in a long-term, fixed interest rate on a large portion of the debt, creating financial stability.

Scenario 3: The Expansion - Equipment-Focused Financing

• Applicant: Maria, an existing Krispy Kreme franchisee opening her third location.
• Project: A smaller "Tunnel Oven Shop" that will be supplied with dough from her main Factory Store. The primary need is for finishing equipment, display cases, and a POS system.
• Total Equipment Cost: $250,000.
• Financing Strategy: Maria has sufficient cash from her other stores to cover the build-out and franchise fee, but wants to preserve her cash flow. She opts for an equipment financing agreement.
  • Loan Type: Equipment Loan.
  • Loan Amount: $250,000 (100% of the equipment cost).
  • Term: 5 years, matching the useful life of the equipment.
• Outcome: Maria acquires all necessary equipment with zero cash down, making predictable monthly payments while her existing cash reserves remain intact for operations and opportunities. According to a Forbes article on equipment financing, this strategy is common for businesses looking to manage cash flow while expanding.

How Crestmont Capital Streamlines Krispy Kreme Franchise Financing

Choosing the right lending partner is just as important as choosing the right franchise. At Crestmont Capital, we are not just a lender; we are a strategic partner dedicated to the success of our clients. As the #1 business lender in the U.S. and an SBA Preferred Lender, we have the expertise and resources to make your Krispy Kreme financing journey smooth and successful.

Franchise Financing Expertise: We understand the unique financial models of franchises. Our team has extensive experience working with top-tier brands like Krispy Kreme, which means we understand their FDD, their operational requirements, and what it takes to build a successful loan application that gets approved.

Streamlined SBA Loan Process: As an SBA Preferred Lender, we have been delegated authority by the SBA to make credit decisions in-house. This allows us to bypass the lengthy SBA review process, significantly reducing the time from application to funding. We can often provide approvals in days, not weeks or months.

A Full Suite of Loan Products: We offer a comprehensive range of financing solutions under one roof. Whether you need a large SBA 7(a) loan, an SBA 504 loan for real estate, dedicated equipment financing, or a flexible line of credit, we can create a customized funding package that perfectly matches your project's needs.

Dedicated Support: When you work with Crestmont Capital, you are assigned a dedicated loan specialist who will guide you through every step of the process. From organizing your documents to communicating with underwriters, your specialist is your single point of contact, ensuring a seamless and transparent experience. As CNBC notes, having a good relationship with your lender can make a significant difference in the loan process.

Next Steps: Turning Your Donut Dream into Reality

You have absorbed a great deal of information. Now it is time to turn knowledge into action. Here is a clear, step-by-step plan to move forward on your journey to owning a Krispy Kreme franchise.

Frequently Asked Questions About Krispy Kreme Franchise Loans

Conclusion

Owning a Krispy Kreme franchise is a remarkable opportunity to build a business around a product that brings genuine happiness to its customers. The path to opening your doors begins with a solid financial foundation, and understanding the complete krispy kreme franchise cost and your financing options is the most important step in that process. From the comprehensive coverage of an SBA 7(a) loan to the strategic use of equipment financing, there are powerful tools available to help you fund your dream.

The key to success is preparation. By developing a meticulous business plan, organizing your financial documents, and partnering with a lender that specializes in franchise financing, you can navigate the loan process with confidence. At Crestmont Capital, we are committed to helping entrepreneurs like you succeed. We hope this guide has provided you with the clarity and direction needed to take the next step. When you are ready to turn the "Hot Now" sign on for your own Krispy Kreme, our team will be here to help you secure the capital to make it happen.

Disclaimer: The information provided in this article is for general educational purposes only and is not financial, legal, or tax advice. Funding terms, qualifications, and product availability may vary and are subject to change without notice. Crestmont Capital does not guarantee approval, rates, or specific outcomes. For personalized information about your business funding options, contact our team directly.