Does any affiliate of Gold Star offer direct financing?

According to the 2025 Gold Star Franchise Disclosure Document, neither Gold Star nor any agent or affiliate offers direct or indirect financing to franchisees. Additionally, Gold Star and its affiliates do not guarantee a franchisee's obligations to third parties, nor do they receive payments for placing franchisee financing. This means prospective Gold Star franchisees must secure their own financing through banks, credit unions, or other lending institutions without direct assistance from the franchisor or its affiliates.

This is a fairly common practice in the franchise industry, as many franchisors prefer not to become directly involved in financing due to the associated risks and administrative burdens. Franchisees should be prepared to develop a comprehensive business plan and financial projections to present to potential lenders. They may also want to explore government-backed loan programs or other financing options available to small business owners.

Because Gold Star does not offer financing, franchisees should carefully consider their financial resources and explore all available funding options. This includes understanding the terms and conditions of any loans they obtain, as well as the potential impact of debt service on their business's profitability. Prospective franchisees should also inquire about any preferred lenders or financing resources that Gold Star may recommend, even though direct financing is not provided.