Most owners don't pay all cash.

Twinkle Toes is listed on the SBA Franchise Directory, which streamlines eligibility for SBA 7(a) loans. These loans typically cover up to 90% of your total project cost with 10-year terms and competitive rates. Most owners who go this route put down $10K–$20K of their own capital and finance the rest.

A Rollover for Business Startups (ROBS) lets you use existing 401(k) or IRA funds to invest in your franchise without early-withdrawal penalties or taxes. Your retirement account becomes an equity investor in your new business. We work with two established ROBS providers who set up the structure in 2–3 weeks.

A home equity line of credit gives you access to cash at rates typically below unsecured business loans. Many owners use a HELOC to cover the franchise fee and initial working capital, then repay it as the business ramps.

We've built relationships with lenders who specialize in franchise financing. They understand the model, move quickly, and typically deliver term sheets within a week. We'll introduce you and stay in the loop on the process.

Some owners fund the business primarily from personal savings, taxable brokerage accounts, or family capital. This is the simplest path and avoids interest expense. The tradeoff is opportunity cost on that capital.

We proudly offer a $5,000 discount on the initial franchise fee for U.S. military veterans, active-duty service members, National Guard, Reservists, and full-time first responders. Discount stacks with SBA veteran loan advantages.