Franchisee resources

Franchise Planning Toolkit

Four free calculators that answer the questions every franchisee asks before signing: what you can afford, how you survive the first two years, what the return looks like, and whether you are actually ready.

89%

of UK franchise units report being profitable

£19.1bn

contributed to the UK economy each year

1,009

franchise brands operating across the UK

£400k

average annual turnover per franchise unit

Start here

Affordability calculator

Work out your true buying power from savings, bank funding and living costs.

What you get: your maximum franchise budget

Step 2

Cash flow visualiser

Map your 24-month runway and find the lowest cash point before it finds you.

What you get: your 24-month cash flow chart

Step 3

ROI & profitability estimator

Turn revenue, margins and fees into a projected monthly and annual net profit.

What you get: your projected net profit

Step 4

Due diligence scorecard

Answer a short diagnostic and get a checklist matched to your background.

What you get: a personalised checklist

What to know at each step

Understand what you can really afford

Total investment varies hugely by sector — some home-based franchises start around £5,000, while premises-heavy businesses like gyms can run past £450,000. Most UK lenders expect you to personally fund 30% to 50% of that figure; for established, recognised brands, banks will typically lend up to 50% to 70% of the rest, though newer or unproven concepts often see that fall to 30% to 50%.

Open the affordability calculator  ·  Franchise funding options in the UK

Plan for the dip before the climb

Almost every new franchise dips into negative cash flow before it turns a profit — royalties, rent and staff costs keep running whether or not customers show up on day one. Modelling a realistic 24-month cash flow, rather than a single optimistic year-one forecast, is usually what separates franchisees who run out of working capital from those who don't.

Open the cash flow visualiser  ·  How to price your franchise and model cash flow

Know what a good return actually looks like

As a rough benchmark, most franchises target an annual ROI somewhere in the 5% to 25% range, with a break-even point commonly landing between one and five years — though this varies a great deal by sector and format. Treat a franchisor's own projections as a starting point, not a guarantee, and check them against real figures from a handful of existing franchisees before relying on them.

Open the ROI estimator  ·  Key franchise profitability factors

Treat due diligence as a process, not a formality

Done properly, due diligence takes 60 to 90 days: reviewing the Franchise Disclosure Document, speaking with current and former franchisees about what actually happened to their numbers, checking territory demographics, and having a solicitor go through the agreement. A franchisor pushing you to decide faster than that is worth treating with caution.

Open the due diligence scorecard  ·  Six steps to a complete due diligence checklist

Common questions

Total investment varies hugely by sector — some home-based or low-cost franchises start around £5,000, while premises-heavy franchises like gyms can run past £450,000. Most lenders expect you to personally fund 30% to 50% of the total yourself, with the rest coming from bank finance once you have a plan the numbers back up. Our affordability calculator is the fastest way to see where you land.

Yes — most major UK banks, including NatWest, Barclays, HSBC and Lloyds, run dedicated franchise lending teams. For established, recognised brands, banks will typically lend up to 50% to 70% of the total investment; newer or unproven brands tend to see that fall to 30% to 50%, since there is no track record yet to lend against.

It varies a great deal by sector, but most franchises target an annual ROI somewhere in the 5% to 25% range, with a break-even point commonly falling between one and five years. Treat a franchisor's own projections as a starting estimate, and check them against real numbers from a handful of existing franchisees using our ROI estimator before relying on them.

Done properly, 60 to 90 days. That is enough time to review the Franchise Disclosure Document, speak with current and former franchisees, check territory demographics, and have a solicitor go through the agreement. Our due diligence scorecard is a good place to start that timeline.

The franchise fee is a one-off payment for the licence to use the brand and system. Royalties, sometimes called a management service fee, are an ongoing percentage of your turnover for as long as you run the franchise — due whether or not you are making a profit that month. That is exactly what our cash flow visualiser is built to stress-test.

Why use our planning tools?

  • Free, and nothing you enter leaves your browser.
  • Each tool takes under five minutes.
  • Results connect straight to matching listings in our directory.
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