Buyer's guide · 2026
Best Franchise Financing Options for Wellness Operators
Most wellness franchise purchases are financed, and the structure you choose shapes cash flow for years. These lenders and funding specialists cover the routes we see used most — SBA loans, ROBS, and marketplaces. Always run the numbers on debt service coverage, and have a tax advisor review any retirement-funded structure.
Best SBA direct lender
#1Live Oak Bank
A top-volume SBA 7(a) lender that funds directly and underwrites larger, more complex franchise deals with real industry expertise.
Best ROBS specialist
#2Benetrends
A pioneer of Rollovers as Business Startups with the longest track record for funding a franchise with retirement savings, penalty-free.
Best all-in-one funding partner
#3Guidant Financial
Pairs ROBS with SBA-loan facilitation and ongoing support, convenient for buyers who want financing help under one roof.
Best lender marketplace
#4BoeFly
A marketplace that matches franchise buyers to multiple lenders, useful for comparing offers on a standard loan.
Head-to-head comparisons
Browse the full Financing directory for every listed vendor.