Non-dilutive capital from $50,000 to $500,000 to fund the buildout, equipment, inventory, and working capital for your second brick-and-mortar location. No equity, no personal guarantee, no daily POS deductions.
Typical second-location funding
Funding offer turnaround
Equity given up
Founderpath funds the full buildout from lease signing to grand opening — not just one piece.
Lease deposit & first month
$10K–$25K
Two to three months of security plus first month, depending on the market
Buildout & construction
$30K–$150K
Permits, contractors, plumbing, electrical, finishes
Equipment
$20K–$80K
Kitchen, walk-in freezers, POS, refrigeration, fixtures
Initial inventory
$10K–$30K
Opening stock for retail, food prep, or supplies
Working capital
$10K–$30K
Opening staff, training, soft launch, payroll runway before revenue ramps
Marketing & grand opening
$5K–$20K
Local ads, signage, opening event, PR
You tell us the use of funds — Founderpath underwrites at the size that matches. Most second-location facilities land between $50,000 and $500,000.
Payback is a fixed percent of weekly revenue at the new store only — protecting cash flow at your existing location during buildout and ramp.
A simple multiple (typically 1.1x to 1.3x) is the total cost. No compounding, no balloon payments, no prepayment penalties.
You keep 100% ownership. Founderpath does not take board seats, warrants, dividend rights, or personal guarantees on second-location capital.
Two operators who used Founderpath capital to open their next location. Watch the deals.
Cereal shop · Dallas, TX · $800K annual revenue
Funded $50,000 to open a second Dallas location
Use of funds: Walk-in freezer + equipment for second location
$50,000 capital
1.2x cap ($60,000 total)
10% of weekly revenue at new location
Sustainable general store · $480K annual revenue
Funded $150,000 to expand from 1 location to 3
Use of funds: Buildout, lease deposit, and inventory for new locations
$150,000 term loan
12% annual interest
5-year repayment
The four ways operators fund a second location, and how Founderpath stacks up against each.
Factor | Founderpath | Bank / SBA loan | Toast Capital / Square Loans | Equity raise |
|---|---|---|---|---|
Time to fund | 24–48 hours | 60–90 days | 1–7 days | 3–9 months |
Total cost | 1.1x–1.3x cap | 10–14% APR plus closing costs | 14% daily take rate (40% effective APR) | 10–30% of company |
Repayment | % of new-location revenue | Fixed monthly | Daily POS deduction | Equity ownership forever |
Personal guarantee | None | Required | Sometimes | N/A |
Equity given up | 0% | 0% | 0% | 10–30% |
Eligibility bar | $250K+ revenue, 12+ months operating | 2 years tax returns, strong credit | Active POS account, processing history | Pitch deck, growth story, team |
See what non-dilutive capital could look like for your restaurant, bar, or retail store. No sign-up required.
Your Numbers
Monthly Revenue
$80k
$10k
$3M
Capital Needed
$150k
$25k
$5M
Payback Period
24 mo
6 mo
48 mo
Estimated Terms
Total Repayment
$168,000
1.12x payback multiple
Monthly Payment
$7,000
8.8% of revenue
Total Cost of Capital
$18,000
12% total cost
Equity Equivalent
$750,000
At 5x revenue multiple
*This calculator provides estimates only. Actual terms depend on your business profile, financials, and underwriting review. Founderpath does not guarantee any specific rate or amount.
The most common questions from operators funding a second brick-and-mortar location.
Most operators spend between $50,000 and $500,000 on a second location. The number scales with format — a small specialty retail store may land at $50K to $100K, a full-service restaurant with kitchen buildout typically lands at $150K to $500K. Founderpath sizes capital to match the actual buildout cost.
Lease deposit, construction and finish-out, kitchen and POS equipment, opening inventory, working capital for staff and payroll during ramp, and grand-opening marketing. Capital is delivered as a single facility and the operator decides allocation across these line items.
Funding offers come within 24 to 48 hours of connecting your data (POS, bank, accounting). Full closing typically happens within four weeks. Compare this to bank or SBA loans, which run 60 to 90 days from application to wire.
Yes. The Founderpath minimum bar for second-location financing is $250,000 in annualized revenue and 12 or more months of operating history at your existing location. Strong gross margins and a clear use of funds matter more than years in business.
Yes. Lease deposits are one of the most common uses of second-location capital — typically $10,000 to $25,000 for two to three months of security plus first month, depending on the market.
No. Founderpath does not require personal guarantees on second-location capital. Repayment is tied to the new location's revenue, not the founder's personal assets.
Repayment is a fixed percentage (typically 5% to 12%) of weekly revenue at the new location only — not the existing store. Total payback is capped at a fixed multiple, usually 1.1x to 1.3x of the principal. There are no fixed monthly payments and no prepayment penalties.
$250,000 in annualized revenue at your existing location, with at least 12 months of operating history. Most funded operators sit between $500,000 and $5,000,000 in revenue.
Yes. Many operators consolidate an outstanding Toast Capital, Square Loans, or merchant cash advance balance into a single Founderpath facility that also funds the new location. Refinance plus expansion is one of the most common deal structures.
Three differences. First, time: 24 to 48 hours to fund versus 60 to 90 days. Second, structure: repayment scales with new-location revenue instead of fixed monthly payments. Third, requirements: no personal guarantee, no two years of tax returns, no compensating balances. Banks and SBA loans can offer cheaper headline rates but rarely close in time for a buildout deadline.
Repayment slows with revenue. Because payback is a percent of new-location revenue (not a fixed monthly payment), a slower ramp simply extends the payback period — the cost cap stays the same. Founderpath only gets paid when the location is paying you.
Yes. Founderpath funds operators opening 2 to 5 locations in parallel, sized at the total buildout cost across the portfolio. Repayment can be structured against combined new-location revenue or per-location.
We've deployed $271M to founders. Now we fund brick and mortar.
Deployed
Founders funded
Average approval
© 2026 Founderpath, Inc. All Rights Reserved.
