Most people who buy a franchise do not write a check from their savings to pay for the business. They get business loans. Franchises that cost under $50,000 may, in fact, be paid for out of savings, but most franchise investments exceed $150,000, and most people who make those investments will require some help from a bank, a leasing company, another lender, or a combination of lenders, Jeff Sherry of 44 Business Capital explains.