Does Southern Steer offer direct or indirect financing for any part of the initial investment?

According to the 2025 Southern Steer Franchise Disclosure Document, Southern Steer does not offer direct or indirect financing for any part of the initial investment. However, the FDD notes that the availability and terms of financing depend on many factors, including the availability of financing generally, a franchisee's creditworthiness and collateral, and the lending policies of financial institutions from which a franchisee requests a loan.

While Southern Steer does not provide financing, prospective franchisees may be able to finance fixtures, décor, and equipment through a bank or other financial institution, or they may choose to lease or purchase these items outright. The estimates provided in the FDD do not include freight, tax, or installation costs, and these will vary depending on the location and size of the Southern Steer business.

Given that Southern Steer does not offer financing, it is crucial for potential franchisees to explore all available financing options from third-party lenders. Understanding the terms and conditions of any loan, lease, or purchase agreement is essential for managing the initial investment and ensuring the financial stability of the franchise. Franchisees should also consider the possibility of purchasing some refurbished equipment to lower costs.