Can the closing fees be financed when financing an Aunt Millies Bakeries franchise fee?

According to Aunt Millies Bakeries' 2025 Franchise Disclosure Document, when financing through First Capital Acceptance Corp., closing fees can be financed. Specifically, a franchisee must pay 1/2% of the loan amount as an origination fee, plus $350 as a loan fee at closing. The FDD explicitly states that both of these fees may be financed.

This is beneficial for prospective Aunt Millies Bakeries franchisees as it reduces the upfront capital required to start the franchise. Instead of paying these fees out-of-pocket at closing, the franchisee can include them in the loan amount and pay them off over time. This can make the franchise more accessible to individuals who may not have significant liquid assets available.

However, franchisees should be aware of the implications of financing these fees. While it lowers the initial financial burden, it also increases the total amount repaid over the loan term due to interest accrual. Therefore, it's crucial for prospective Aunt Millies Bakeries franchisees to carefully consider their financial situation and ability to manage debt before deciding to finance these closing fees. They should also compare the terms and conditions of the financing offered by First Capital with other financing options to ensure they are getting the most favorable deal.