Franchise
Both sides of the franchise table, one desk.
PFG works the whole franchise circle. Brands bring us their franchisees to finance, and operators bring us brands they want in on. PMG runs the books for both, as the official accounting partner several brands name to their systems.
Franchisees get a financing desk that has funded first locations, resales, and multi-unit expansions, including operators in systems like Tim Hortons, Mr. Greek, and Subway. Founders get the other service: turning a business that works into a brand that franchises.
The Full Circle
Funded operators become multi-unit operators.
A franchise system grows exactly as fast as its operators can finance growth. Brands know this, which is why several have made PFG their official financing partner and PMG their official accounting partner: a franchisee who gets funded, keeps clean books, and sees their numbers monthly is a franchisee who opens a second location.
The same circle runs for founders. When we help a business become a franchisor, its future franchisees inherit the financing desk and the accounting system on day one. The brand sells units; the units can actually fund; the system compounds.
Two Doorways
Pick your side of the table.
For franchisees
Finance the first unit, the resale, or the next three.
What a location actually costs, how the financing stack works, what lenders read in a one-unit operator, and when a quoted term sheet is market versus predatory. Written for the buyer staring at a 500K all-in number.
For founders
Turn the business into the brand.
Franchisability assessment, structure, CPA-prepared financials your future franchisees’ lenders will read, a royalty model built on unit economics, and rollout funding. The honest version, including when the answer is not yet.
Already operating? The accounting side, royalty reporting and multi-unit books, lives at franchise accounting.
The Roadmap
Six steps, in the order that works.
The same sequence we run for every franchise engagement, whether the operator is buying unit one or unit four.
Questions, answered
What both sides ask us.
Which brands do you work with?
Several franchise brands across North America name PMG as their official accounting partner and route franchisees to PFG for financing; we have financed operators in systems including Tim Hortons, Mr. Greek, and Subway. Brands outside our partner list are taken case by case: the lending logic transfers, the brand-specific knowledge gets built per system.
Do you work for the franchisor or for me?
On a financing file, for you. The brand may have sent you to us, but the engagement, the fee, and the duty run to the borrower: you pay us, mostly when funding lands, and we tell you when a deal does not pencil even when the franchisor would prefer otherwise. Partnership gets us deal flow. It does not buy our answer.
Is franchise financing different from regular business financing?
Meaningfully. The brand carries a track record lenders already know: stabilization curves, failure rates, resale values by system. A strong brand makes a young operator more fundable than a comparable independent; a weak brand does the opposite. The file rides the system’s data as much as yours, which is why brand-side knowledge matters.
Can you help with a franchise resale?
Yes, and resales are often the better-priced entry: trailing financials exist, the location is proven, and the seller has reasons. The financing reads differently (you are buying assets and an operating history, not a buildout), and the asset-versus-share structure question shows up here too. Start with the structure before the offer.
Start on whichever side of the table you sit.
Franchisees get a financing assessment read against their brand's system. Founders get the franchisability conversation, including the honest version of not yet.
You pay us, mostly when funding lands. Lenders pay us nothing.