How a Franchise Brand Secured $350,000 in Working Capital With Just One Guarantor

Q: Can I get an SBA loan with just one guarantor, if my company has many investors?

A: Through one of our partner SBA preferred lending banks, Radix Financial Group was able to secure $350,000 in working capital for a franchise brand with just one guarantor — the founder — even though more than a dozen investors declined to guarantee the loan.

Here’s how it worked…

A Vietnamese dessert-drink franchise brand was ready to expand. The business was growing, the demand was there — it just needed $350,000 in working capital to move.

The obstacle wasn’t the business. It was the cap table. More than a dozen investors held stakes in the company, and none of them wanted to sign as guarantors. Most lenders want every significant owner on the guarantee — with 12-plus investors refusing, most deals like this stall out.

Through one of our partner SBA preferred lending banks, Radix Financial Group was able to structure the loan so that only one person stood as guarantor: the company’s founder and CEO.

Result: $350,000 in working capital, approved and funded — and a growing franchise brand free to expand without dragging a dozen investors into personal liability.

If your business has a complicated ownership structure, that doesn’t have to be the end of the conversation. Talk to us at radixfinancialgroup.com.