According to Checkers' 2025 Franchise Disclosure Document, Checkers does not offer direct or indirect financing to franchisees. This means that prospective franchisees will need to secure their own funding through third-party sources like banks, credit unions, or private investors to cover the costs associated with opening a Checkers franchise.

Furthermore, Checkers does not guarantee any notes, leases, or other obligations of its franchisees. This lack of guarantee underscores the franchisee's sole responsibility for securing and managing their own financing. It is a common practice in the franchise industry for franchisors not to provide direct financing or guarantees, as it shifts the financial risk and responsibility to the franchisee.

For a prospective Checkers franchisee, this means carefully evaluating their financial resources and creditworthiness. They should research and compare different financing options, understand the terms and conditions of any loans or leases they obtain, and develop a solid business plan to demonstrate their ability to repay any debt. It is advisable to consult with financial advisors and legal professionals to navigate the financing process and ensure they are making informed decisions.