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Franchise Financing

Sterling’s Franchise Division is specifically focused on the franchised restaurant industry. Our expertise is understanding our customers’ and prospects’ business.

How Sterling Can Help

Sterling National Bank Franchise Finance provides a full array of loan products to multi-unit franchisees and franchisors of national and regional restaurant brands. Through Sterling’s approach, we tailor loans to the needs of the respective franchisee or franchisor with an emphasis on strong concepts, solid cash flow coverage, appropriate capital structure, and an attractive collateral mix between fee simple, space-leased, and ground-leased restaurant units.

We offer 100% financing for all types of equipment, fixed payment schedules linked to business seasons and cycles, streamlined approvals, and the convenient option to add new equipment to existing leases.

Solutions Offerings

✔ Business Value / Cash Flow Financing

✔ Equipment

✔ Store Purchases / Acquisitions

✔ Remodeling

✔ Refinance

✔ Capital Loans

✔ SBA Loans

✔ Recapitalization

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Sterling Relationship Managers

Whether you’re investing in a series of equipment upgrades or location refreshes, your Sterling Relationship Manager will provide you with the information you need to make smart decisions for better outcomes.


Client Testimonials

“Lindy, has been great to work with, she is quick to respond and is always reachable. In today’s business world this is an important attribute I look for. The process of working with Sterling National Bank has been a great partnership over the last few years. Lindy listens to what we need as an organization and makes the whole process as simple and streamlined as possible.”

“Having a banker with franchise expertise is very important as it helps us to do our thing without having to explain to someone how and why we need something. Lindy and her team provide unparalleled, personalized service with very competitive rates and terms. There’s no reason to look anywhere else for a lender. SNB checks all the boxes.”

“I contacted Lindy for refinancing and she provided first rate service. Sterling National Bank is a large bank with small bank customer service mentality. I felt appreciated throughout the whole process. If you’re looking to refinance, I would highly recommend you contact Sterling National Bank. The rates are competitive and the service is fantastic. Thanks Lindy for your expertise and help. We are looking forward to working with you again.”