100% Franchise Financing: $1M Mortgage Secures Second Tim Hortons Location with No Down Payment

Client: Tim Hortons Franchise Owner 100% mortgage financing to acquire second franchise location Property

Value: $1,000,000 

Loan Amount: $1,000,000

A long-established Tim Hortons franchisee identified a rare opportunity to secure a second location in a high-traffic neighbourhood. The site promised immediate growth potential—but the client lacked sufficient liquidity for the traditional down payment required by most lenders. Missing the opportunity would mean surrendering market share in a prime area to competing brands.

To meet the challenge, Syndicate Lending Corporation structured a 100% financing solution through a chartered bank. The loan was fully secured via a first-charge mortgage on the borrower’s existing franchise property, eliminating the need for any out-of-pocket capital.

The final package included:

• Loan Amount: $1,000,000 (100% of purchase price)

• Rate: Prime + 2%

• Structure: First-charge mortgage on existing real estate

By presenting strong historical cash flows, Tim Hortons’ corporate backing, and market insights supporting demand for the new location, SLC secured lender approval for the full loan amount—delivered in time to meet the seller’s deadline.

With the financing in place, the client closed the acquisition without equity strain and retained working capital for fit-out, staffing, and pre-opening marketing. The store launched on schedule, rapidly gaining traction and contributing to overall revenue growth.

Operating two locations strengthened the client’s regional brand footprint and created the momentum for future expansion.

Syndicate Lending Corporation’s ability to unlock 100% franchise financing turned a time-sensitive opportunity into a long-term strategic win.

Discover how we’ve helped clients secure the funding they needed by exploring our case studies. Visit our services page to see everything we can do for you.

Expanding your franchise? 

Contact SLC to explore full-financing options tailored to your growth goals.

Fill out our application form or reach out to us directly, and one of our expert mortgage brokers will work with you to create a financing plan designed to achieve your goals.