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Pet Wants Franchise Loan: The Complete Financing Guide for Pet Wants Franchise Owners
Pet Wants is one of the fastest-growing pet food franchise concepts in the United States, offering fresh, natural, and customized pet food delivered directly to customers' doors or sold through neighborhood retail stores. As the pet industry continues to boom - generating over $150 billion annually according to the American Pet Products Association - Pet Wants has carved out a distinctive niche by focusing on premium, locally-made pet nutrition. For entrepreneurs who share a passion for pets and healthy living, owning a Pet Wants franchise represents a compelling business opportunity.
However, launching a Pet Wants franchise requires meaningful upfront capital. Between the franchise fee, store build-out (if applicable), inventory, marketing, and operating reserves, many aspiring franchisees need financing to make their dream a reality. That is where Crestmont Capital steps in. This guide covers every aspect of Pet Wants franchise financing - from understanding total investment costs to exploring SBA loans, equipment financing, working capital, and business lines of credit - so you can enter this growing market fully prepared.
Whether you are a first-time franchisee or an experienced multi-unit operator, understanding your funding options is critical to launching successfully. Read on for the most comprehensive guide to Pet Wants franchise loans available online.
- What Is Pet Wants?
- Pet Wants Franchise Investment Costs
- Financing Options for Pet Wants Franchisees
- SBA Loans for Pet Wants
- Equipment Financing
- Working Capital Loans
- Business Lines of Credit
- Who Qualifies for a Pet Wants Franchise Loan?
- How to Apply for Financing
- Real-World Financing Scenarios
- Benefits of Financing Your Pet Wants Franchise
- Pet Wants Financing at a Glance
- Frequently Asked Questions
- Next Steps
What Is Pet Wants?
Pet Wants was founded in 2010 in Cincinnati, Ohio, by Michele Hobbs, with a mission to provide pets with the freshest, most nutritious food possible. Unlike mass-produced commercial pet food that can sit in warehouses for months or years, Pet Wants products are made in small batches and shipped fresh within weeks of production. The brand offers a proprietary line of slow-cooked, all-natural dry and wet pet foods, as well as treats, supplements, and grooming products.
The franchise model launched in 2015 and has grown rapidly since. Pet Wants franchises operate through two primary formats:
- Mobile/Delivery Model: Franchisees operate a delivery-focused business, bringing fresh pet food directly to customers' homes or businesses. Lower overhead, no retail storefront required.
- Retail Store Model: Franchisees open a branded pet food retail store in their territory, offering the full product line with a personalized customer experience.
Both models benefit from Pet Wants' proprietary formulas, training programs, national marketing support, and a loyal and growing customer base. According to Forbes, the pet industry has shown remarkable recession-resilience, with consumers continuing to invest in premium pet care even during economic downturns - a strong indicator of the franchise's long-term viability.
Pet Wants is listed on the Franchise Disclosure Document (FDD) registry and works with a variety of financing partners to help qualified candidates fund their franchise investment. The brand is also a member of the International Franchise Association (IFA), giving it added credibility in the franchising community.
Pet Wants Franchise Investment Costs
Understanding the total investment required is the first step toward securing a Pet Wants franchise loan. Costs vary depending on the business model chosen (mobile/delivery vs. retail store) and the specific territory.
Mobile/Delivery Model - Estimated Total Investment
- Initial Franchise Fee: $35,000
- Vehicle (wrapped delivery van): $15,000 - $35,000
- Initial Inventory: $5,000 - $15,000
- Technology and Software: $2,000 - $5,000
- Marketing and Advertising (launch): $5,000 - $10,000
- Working Capital (3-6 months): $10,000 - $25,000
- Total Estimated Investment: $72,000 - $125,000
Retail Store Model - Estimated Total Investment
- Initial Franchise Fee: $35,000
- Leasehold Improvements and Build-Out: $50,000 - $100,000
- Fixtures, Displays, and Furniture: $20,000 - $40,000
- Initial Inventory: $15,000 - $30,000
- Technology and POS System: $5,000 - $10,000
- Signage: $5,000 - $15,000
- Marketing (grand opening): $10,000 - $20,000
- Working Capital (6 months): $25,000 - $50,000
- Total Estimated Investment: $165,000 - $300,000
In addition, Pet Wants charges an ongoing royalty fee of approximately 6% of gross sales, and a marketing fund contribution of 2% of gross sales. These should be factored into your cash flow projections when planning your financing.
For many aspiring franchisees, even the lower-cost mobile model requires external funding. Fortunately, multiple franchise business loan options are available to help bridge the gap.
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Apply Now - Takes 2 MinutesFinancing Options for Pet Wants Franchisees
Pet Wants franchise financing is not one-size-fits-all. Depending on your credit profile, available assets, and how much capital you need, different loan products may be appropriate. Here is an overview of the primary financing routes available to Pet Wants franchise investors.
It is worth noting that some franchisees use a combination of funding sources - for example, an SBA loan for the bulk of start-up costs combined with a business line of credit for working capital. A knowledgeable franchise lender like Crestmont Capital can help you build the optimal financing stack for your situation.
SBA Loans for Pet Wants Franchise Financing
Small Business Administration (SBA) loans are widely regarded as the gold standard for franchise financing, offering the most competitive interest rates and longest repayment terms in the market. According to the SBA's official loan programs page, the SBA 7(a) loan program is the most popular small business financing vehicle in the country, with billions of dollars deployed annually.
SBA 7(a) Loans
The SBA 7(a) loan is the most common choice for franchise start-ups. Key features include:
- Loan amounts up to $5 million
- Repayment terms up to 10 years for working capital; up to 25 years for real estate
- Interest rates typically prime + 2.75% or lower
- 10-30% down payment typically required
- Collateral required when available
For a Pet Wants retail store costing $200,000 in total startup costs, an SBA 7(a) loan could cover $140,000 to $180,000, with the franchisee contributing $20,000 to $60,000 in equity injection. Monthly payments on a $150,000 SBA 7(a) loan at 7% over 10 years would be approximately $1,742 per month - very manageable for an established Pet Wants location.
SBA 504 Loans
If you are purchasing commercial real estate or major equipment, the SBA 504 loan may be advantageous. It offers fixed interest rates and long terms, making it ideal for capital-intensive retail buildouts. However, it requires a Certified Development Company (CDC) partner and is better suited for property purchases than general working capital.
Learn more about your SBA loan options at Crestmont Capital, where our team specializes in franchise SBA applications.
Equipment Financing for Pet Wants Franchisees
Whether you are outfitting a retail storefront with shelving, a POS system, refrigeration units for fresh food storage, or a branded delivery vehicle for a mobile franchise, equipment financing provides a targeted funding solution that keeps your cash flow intact.
With equipment financing from Crestmont Capital, the equipment itself serves as collateral, which can make qualification easier even if your credit history is not perfect. Key benefits include:
- Finance up to 100% of equipment value with no large down payment
- Preserve working capital for operations
- Potential Section 179 tax deductions on financed equipment
- Flexible terms from 24 to 84 months
- Approval decisions often within 24-48 hours
For a Pet Wants delivery model, a branded commercial van can run $25,000 to $40,000. Equipment financing allows you to spread that cost over 36-60 months rather than paying it upfront. For a retail store, refrigeration units, display cases, and POS hardware can add up to $30,000 to $60,000 - a perfect fit for equipment financing.
Working Capital Loans for Pet Wants Franchisees
Even with a well-funded startup, most new franchise locations require 3-6 months before reaching consistent profitability. Working capital loans bridge this gap, covering payroll, inventory replenishment, utility bills, and other day-to-day expenses while your customer base grows.
Small business working capital loans from Crestmont Capital offer:
- Funding amounts from $10,000 to $500,000
- Approval in as little as 24 hours
- Terms from 3 to 36 months
- Fixed daily or weekly repayment structures
- Minimal documentation requirements
For a new Pet Wants mobile franchisee with limited revenue in months 1-3, a working capital loan of $15,000 to $25,000 can be the difference between staying afloat and closing prematurely. Once the business reaches consistent monthly revenue, many franchisees refinance their working capital facilities into longer-term products.
Business Line of Credit for Pet Wants Franchisees
A business line of credit is one of the most flexible financing tools available to franchise owners. Unlike a term loan where you receive a lump sum and repay it over time, a line of credit allows you to draw funds as needed and only pay interest on what you use.
For Pet Wants franchisees, a business line of credit is particularly useful for:
- Seasonal inventory purchasing (stocking up before the holidays or summer)
- Managing cash flow gaps between large customer invoices
- Funding unexpected repairs or equipment replacements
- Financing marketing campaigns or local promotions
- Bridging payroll during slower sales periods
Lines of credit from Crestmont Capital typically range from $10,000 to $250,000, with draws available on demand. Many Pet Wants franchisees maintain a line of credit as a financial safety net even after their business becomes profitable, using it strategically during growth phases.
Explore All Franchise Financing Options
From SBA loans to lines of credit, Crestmont Capital has the right solution for Pet Wants franchise owners at every stage.
Get Matched to the Right LoanWho Qualifies for a Pet Wants Franchise Loan?
Qualification criteria vary by loan type and lender. Here is what most lenders - including Crestmont Capital - look for when evaluating Pet Wants franchise loan applications.
SBA Loan Qualifications
- Personal credit score of 680+ (ideally 700+)
- Net worth documentation showing financial strength
- Equity injection of 10-30% of total project cost
- Clean criminal history (no recent felonies)
- U.S. citizenship or legal permanent residency
- Business plan and cash flow projections
Equipment Financing Qualifications
- Credit score as low as 600 may be acceptable
- Equipment invoice or quote from vendor
- Minimum 1 year in business (or startup funding through SBA)
- Basic bank statements
Working Capital / Merchant Cash Advance
- Minimum 3-6 months in business
- Monthly revenue of $10,000+ preferred
- Credit score of 550+ accepted in some cases
- 3 months of bank statements
Business Line of Credit
- Credit score of 600+ typically required
- 6-12 months in business preferred
- Demonstrated revenue history
If your credit score is below 650, do not be discouraged. Crestmont Capital also offers bad credit business loans specifically designed for entrepreneurs who need financing but have had past credit challenges. We evaluate the full picture of your business and personal financial situation - not just a single number.
How to Apply for a Pet Wants Franchise Loan
Applying for franchise financing is simpler than many people expect, especially when you work with a lender experienced in franchise transactions. Here is a step-by-step overview of the process at Crestmont Capital:
Step 1: Gather Your Financial Documents
Prepare the following before starting your application:
- Personal tax returns (2-3 years)
- Business tax returns (if existing business)
- Personal financial statement (assets, liabilities)
- Bank statements (3-6 months)
- Pet Wants Franchise Disclosure Document (FDD)
- Draft franchise agreement
- Business plan and financial projections
Step 2: Complete Crestmont Capital's Online Application
Our online application takes approximately 10-15 minutes and collects basic information about you, your franchise investment, and your financing needs. There is no hard credit pull at this stage.
Step 3: Review Loan Options
Our franchise financing specialists will review your application and present the best matching loan products. You will receive multiple options with clear terms, rates, and monthly payment estimates.
Step 4: Submit Full Documentation
Once you select a loan product, you will submit your full documentation package. For SBA loans, this includes a more extensive underwriting process (2-6 weeks). For working capital and equipment loans, funding can occur in as little as 24-72 hours.
Step 5: Receive Funding
Approved funds are wired directly to your business bank account or paid to vendors (equipment suppliers, landlords) as appropriate. Your franchise journey begins.
For entrepreneurs who need capital quickly, Crestmont Capital also offers fast business loans with same-day and next-day funding options. This can be especially valuable if you need to secure a prime retail location before a competitor does.
Real-World Pet Wants Franchise Financing Scenarios
To make this concrete, here are five realistic scenarios showing how different Pet Wants franchisees might structure their financing:
Scenario 1: First-Time Franchisee, Mobile Model, Strong Credit
Total Investment Needed: $95,000
Approach: SBA 7(a) loan for $75,000 + personal savings of $20,000
Result: Low monthly payment (~$870/month over 10 years), preserves cash for marketing and growth
Scenario 2: Experienced Entrepreneur, Retail Store, Moderate Credit
Total Investment Needed: $225,000
Approach: SBA 7(a) loan for $160,000 + equipment financing for $35,000 + personal funds $30,000
Result: Splits financing across products to optimize cost and flexibility
Scenario 3: Multi-Unit Operator Opening Second Location
Total Investment Needed: $180,000 (second store)
Approach: Business line of credit draw for $80,000 + cash flow from existing location $100,000
Result: Rapid expansion without taking on long-term debt, using existing revenue as leverage
Scenario 4: Veteran Franchisee Using VetFran Benefits
Total Investment Needed: $110,000 (mobile model + initial inventory)
Approach: SBA Veterans Advantage loan (reduced guarantee fee) for $85,000 + personal savings $25,000
Result: Reduced loan costs, faster approval through specialized veteran programs
Scenario 5: Franchisee with Less-Than-Perfect Credit
Total Investment Needed: $80,000 (mobile model)
Approach: Bad credit business loan for $40,000 at higher rate + working capital line for $20,000 + personal funds $20,000
Result: Gets business open; refinances into lower-rate products after 12-18 months of operating history
Similar financing strategies have been detailed for other franchise concepts like Club Pilates franchise financing and Crumbl Cookies franchise loans, which share comparable cost structures to Pet Wants retail locations.
Benefits of Financing Your Pet Wants Franchise
Some aspiring franchisees wonder if it is better to wait until they have saved enough cash to fund their franchise outright. While there is logic in avoiding debt, there are compelling reasons why financing your Pet Wants franchise - especially at today's rates - often makes more financial sense than waiting:
- Market Timing: The pet food premium segment is growing rapidly. Waiting 2-3 years to save up could mean missing your ideal territory or facing stiffer competition.
- Leverage Returns: If your Pet Wants location generates $50,000 in annual profit on a $200,000 investment funded with $40,000 of your own money and $160,000 borrowed, your return on equity is dramatically higher than if you invested $200,000 cash.
- Tax Advantages: Interest on business loans is generally tax-deductible as a business expense, reducing your effective cost of borrowing.
- Preserve Emergency Reserves: Keeping cash on hand rather than deploying it all into the business protects you against unforeseen costs in year one.
- Build Business Credit: Responsibly repaid franchise loans establish a business credit history that makes future expansion financing easier and cheaper.
According to reporting by CNBC, small business owners who leverage financing strategically tend to grow faster than those who rely entirely on self-funding, particularly in franchise sectors where speed to market and territory exclusivity matter.
Pet Wants Franchise Financing at a Glance
Pet Wants Franchise: Key Numbers
| Factor | Mobile Model | Retail Model |
|---|---|---|
| Franchise Fee | $35,000 | $35,000 |
| Total Investment | $72K - $125K | $165K - $300K |
| Royalty Fee | 6% of gross sales | 6% of gross sales |
| Marketing Fee | 2% of gross sales | 2% of gross sales |
| Best Loan Product | SBA 7(a) or Equipment | SBA 7(a) + Equipment |
| Min. Credit Score (SBA) | 680+ | 680+ |
*Estimates based on industry averages and Pet Wants FDD disclosures. Actual costs vary by location and market.
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Start Your Application NowFrequently Asked Questions About Pet Wants Franchise Loans
What is the minimum investment required to open a Pet Wants franchise?
The minimum total investment for a Pet Wants mobile/delivery franchise is approximately $72,000, while a full retail store location typically requires $165,000 or more. These figures include the $35,000 franchise fee, startup inventory, vehicle or store buildout, technology, and initial working capital reserves.
Can I get an SBA loan for a Pet Wants franchise?
Yes. Pet Wants franchisees can qualify for SBA 7(a) loans, which offer competitive rates and terms up to 10 years for working capital and 25 years for real estate. You will typically need a personal credit score of 680+ and an equity injection of 10-30% of the total project cost. Crestmont Capital's SBA specialists can guide you through the application process.
How long does it take to get approved for a Pet Wants franchise loan?
Approval timelines vary by product. SBA loans typically take 3-8 weeks from application to funding. Equipment financing can be approved in 24-48 hours. Working capital loans and business lines of credit can fund in as little as 24-72 hours. If you need capital quickly, ask about Crestmont Capital's fast business loan options.
What credit score do I need for a Pet Wants franchise loan?
For the best terms, a personal credit score of 680+ is recommended. SBA loans generally require 680+. Equipment financing may be available with scores as low as 600. Working capital loans may work with scores around 550-600. If your score is lower, Crestmont Capital offers bad credit business loan alternatives.
Does Pet Wants offer in-house financing?
Pet Wants does not typically offer direct in-house financing, but the brand works with preferred lending partners and may have relationships with SBA-approved lenders. Franchisees are encouraged to explore multiple financing options, including independent lenders like Crestmont Capital, to find the most competitive terms.
Can I use my 401(k) or retirement funds to finance a Pet Wants franchise?
Yes. Through a strategy called Rollover for Business Startups (ROBS), you can use retirement savings to fund a franchise without paying early withdrawal penalties or taxes at the time of transfer. This is a specialized structure that requires specific legal and financial guidance. Consult a franchise attorney and financial advisor before pursuing this option.
What is the Pet Wants royalty fee?
Pet Wants charges an ongoing royalty fee of approximately 6% of gross sales, plus a 2% marketing fund contribution. These fees are paid on a recurring basis and should be included in your financial projections when determining how much financing you need.
Is Pet Wants a good franchise investment?
Pet Wants operates in the booming premium pet food segment, which has demonstrated consistent growth even during economic downturns. The brand's fresh, natural product line differentiates it from mass-market competitors. As with any franchise investment, success depends heavily on territory selection, owner effort, local marketing, and operational excellence. Review the FDD carefully and speak with existing franchisees before making a decision.
Can I finance both the franchise fee and the store buildout with one loan?
Yes. An SBA 7(a) loan can cover the franchise fee, leasehold improvements, equipment, initial inventory, and working capital in a single loan package. This simplifies the financing process and avoids taking on multiple loans with different lenders and payment schedules.
What happens if my Pet Wants franchise fails and I cannot repay the loan?
SBA loans typically require personal guarantees, meaning the borrower is personally responsible for repayment even if the business closes. Equipment financing defaults may result in equipment repossession. It is essential to build a realistic business plan, maintain adequate reserves, and have contingency plans before taking on franchise debt. Crestmont Capital's advisors can help you size your loan appropriately to reduce risk.
Can veterans get special financing for Pet Wants franchises?
Yes. U.S. military veterans may qualify for the SBA Veterans Advantage program, which reduces or eliminates the SBA guarantee fee on qualifying loans. The International Franchise Association's VetFran program also lists Pet Wants as a franchise that offers veteran discounts. Combined, these benefits can significantly reduce the cost of financing for qualifying veterans.
How much working capital should I have before opening?
Pet Wants recommends having 3-6 months of operating expenses in reserve at launch. For a mobile model, that might mean $10,000 to $25,000. For a retail store, plan for $25,000 to $50,000. Working capital loans or a business line of credit can supplement your reserves without requiring you to delay your opening date.
Can I expand to multiple Pet Wants territories using financing?
Yes. Many successful multi-unit franchisees use the cash flow from their first location to help finance a second or third. Business lines of credit and SBA loans can both be structured to fund multi-unit expansions. A strong track record from your first location will make it significantly easier to qualify for additional financing.
What documents do I need to apply for a Pet Wants franchise loan?
Typical required documents include: personal tax returns (2-3 years), business tax returns if applicable, personal financial statement, 3-6 months of bank statements, the Pet Wants Franchise Disclosure Document (FDD), signed or draft franchise agreement, business plan, and financial projections. Crestmont Capital's loan specialists will provide a complete document checklist when you apply.
How does financing compare to using personal savings for a Pet Wants franchise?
Financing allows you to launch sooner, preserve cash reserves, and leverage your investment for higher returns on equity. Using personal savings avoids debt but may delay your launch, deplete emergency funds, and reduce your financial flexibility. Most experienced franchisees use a combination of personal funds and financing to optimize both risk and return. A loan-to-investment ratio of 70-80% borrowed is common for well-qualified franchisees.
Next Steps: How to Get Your Pet Wants Franchise Loan
Request the Franchise Disclosure Document from Pet Wants and review all financial performance representations. Understand the full scope of costs before committing to financing.
Pull your free credit report at AnnualCreditReport.com. If your score is below 680, take 60-90 days to pay down balances and dispute any errors before applying for SBA financing.
Create a detailed business plan with 3-year financial projections. Lenders want to see realistic revenue forecasts, expense estimates, and break-even timelines. Pet Wants' support team can help with territory analysis.
Submit your pre-qualification application online in minutes. Our team will match you to the best franchise loan products and guide you through the approval process from start to funding.
Once financing is secured, finalize your franchise agreement with Pet Wants and begin the onboarding and training process. Your dedicated franchise business consultant will support you through launch.
Execute your grand opening marketing plan, build your customer subscription base, and track performance against your projections. Use your line of credit strategically for seasonal inventory and local advertising.
Conclusion
The pet industry represents one of the most resilient and rapidly growing sectors in American retail, and Pet Wants is well-positioned to capture a meaningful share of the premium pet food market. Whether you choose the lower-cost mobile/delivery model or invest in a full retail store, securing the right franchise financing is the foundation of your success.
From SBA loans to equipment financing, working capital facilities, and business lines of credit, Crestmont Capital offers a full suite of Pet Wants franchise loan solutions tailored to your specific situation. Our team has deep experience in franchise lending and understands the unique requirements of franchise investors - from documentation to FDD review to SBA application packaging.
Do not let financing uncertainty hold you back from your entrepreneurial goals. Apply today and discover how quickly and easily Crestmont Capital can put the capital you need in your hands - so you can focus on building the Pet Wants franchise you have been dreaming about.
Click here to apply for your Pet Wants franchise loan now.
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.
