Franchises you can buy with a low credit score

If you are interested in starting a business, buying a franchise can be an excellent alternative to developing your own business from the ground up. Doing so allows you to leverage the brand equity of an existing business, as you’ll be operating under the trading name of an established brand.

Buying a franchise can also offer excellent value for money. Rather than pouring resources into product development and brand building, you’ll be able to hit the ground running with a product or service that people are already interested in purchasing. You should also receive all of the prep and training required from the parent organisation.

From a finance perspective, popular franchise systems also provide a level of financial credibility that may offset some concerns that lenders may otherwise have due to your limited experience operating a business, in maintaining commercial debts or due to previous arrears with respect to your personal credit obligations.

Franchise finance for people with a low credit score

Affordable franchises provide outstanding opportunities for aspiring entrepreneurs with limited financial bonafides but plenty of drive. Here are a few low-cost franchises for sale in Australia – all of which are cheap enough to purchase with a ‘non-conforming’ business loan via Naritas.

Ferguson Plarre Bakehouse

  • Franchise Fee: $40,000
  • Capital Investment: $250,000-$400,000
  • Become a franchisee of this well-known bakery outlet, and you’ll receive a shipment of fresh baked goods each day. There’s no need to do any on-site baking, and that means your overheads are significantly reduced.

Cappuccino Xpress

  • Franchise Fee: Included in capital investment
  • Capital Investment: $85,000
  • This mobile coffee franchise sees franchisees taking a van into local industrial estates and business centre in the morning, only to return by lunch. In all, you’ll end up working about 25 hours per week. The capital investment listed above is the minimum, and other investments (such as buying a van) may be required.


  • Franchise Fee: Depends on Turnover
  • Capital Investment: $150,000
  • Join the world’s leading after-market swimming pool and spa retail, maintenance and service company with your own franchised branch. Franchisees receive lots training and ample ongoing support to ensure their operation remains profitable.

Triple O Property Maintenance

  • Franchise Fee: $38,500
  • Capital Investment: Dependent upon situation
  • If you have a broad base of handyman skills, this franchise could help you turn that expertise into a robust revenue stream. Franchisees receive a large territory all to themselves, and they receive in-house training to help with generating business and growing their base.

Muffin Break

  • Franchise Fee: Included in capital investment
  • Capital Investment: $300,000
  • Own your own bakery café business with a Muffin Break franchise. This company was established in 1989, and they offer full training for technical skills and financial management. Muffin Break was an early driver of the café culture seen in modern-day Australia, and they continue to thrive


  • Franchise Fee: Included in capital investment
  • Capital Investment: $74,950
  • This global online shipping company is growing fast. No previous experience is necessary, as InXpress provides all the training you’ll need to succeed. This franchise features low entry costs, as there is no need for employees, inventory, warehousing vans or any equipment. Once you’re established, there’s a potential for high residual income.

Would you like help arranging finance for a franchise purchase?

The team at Naritas are experts in delivering timely guidance & finance approvals.  We have over 100 lenders on our panel & a high quality team of dedicated credit advisers to steer you efficiently through the approval process.

To make an enquiry online with our team, click here. Alternatively please feel free to phone us on 1300 558 887 during business hours.