Is M & T Pizza obligated to provide a list of banks for Carbones Pizzeria financing?
Carbones_Pizzeria Franchise · 2025 FDDAnswer from 2025 FDD Document
We do not offer direct or indirect financing. M & T Pizza may, if requested by you provide you with a list of banks you may contact regarding financing. We do not guarantee your note, lease, or any other obligation you may have to another party.
Source: Item 10 — FINANCING (FDD pages 14–15)
What This Means (2025 FDD)
According to the 2025 Carbones Pizzeria FDD, M & T Pizza does not offer direct or indirect financing to franchisees. However, if a prospective Carbones Pizzeria franchisee requests it, M & T Pizza may provide a list of banks that the franchisee can contact for financing. It is important to note that M & T Pizza is not obligated to provide this list, and providing the list is solely at their discretion.
Furthermore, the FDD clearly states that M & T Pizza does not guarantee any financial obligations a franchisee may incur, such as notes, leases, or other agreements with third parties. This means that Carbones Pizzeria franchisees are fully responsible for securing their own financing and managing their financial obligations.
This arrangement is fairly typical in the franchise industry. Many franchisors do not directly finance franchisees but may offer guidance or suggestions for financing options. Prospective Carbones Pizzeria franchisees should not rely on M & T Pizza for financing and should be prepared to explore various funding sources independently.