ApplePie Capital

The company's business model centers on connecting franchisees with strategic financing solutions to facilitate growth, whether for opening new units, acquiring existing ones, refinancing debt, or remodeling. ApplePie Capital generates revenue by arranging loans and does not extend credit directly from its own balance sheet; instead, it partners with a network of lenders, including Cross River Bank for its proprietary loan products. Its clients range from first-time franchise owners to experienced multi-unit operators across more than 200 franchise brands, such as Jimmy John's, Club Pilates, and Ben & Jerry's. Since its inception, the company has facilitated over $3 billion in loans.

ApplePie Capital offers a suite of loan products tailored to the franchise lifecycle. This includes conventional loans, SBA loans, and equipment financing. The firm's proprietary offerings are the "ApplePie Core Loan" and the "ApplePie Spring Loan," which are designed to offer flexible terms and faster processing than traditional options. A key feature is the "Recap & Grow" program, which allows existing operators to leverage the equity in their current businesses to fund expansion, potentially without any cash out of pocket. The "AcquisitionEdge" program is another specialized offering, built to streamline the process of acquiring franchise units for both new and existing operators. The company emphasizes a consultative approach, with a streamlined online application process and dedicated relationship managers who specialize in franchising.