Skip to main content

TD Restaurant & Franchise Finance

Tailored financial solutions for franchise businesses at every stage of their journey.

Full-service solutions from experienced industry professionals

Access innovative capital solutions and advice to support the needs of your restaurant or fitness franchise, delivered by specialists you can trust.

  • Acquisition and growth

    Get the guidance and capital you need to buy or expand with flexible financing.

  • Build, relocate or remodel

    Break new ground, move, or renovate without disrupting your cashflow.

  • Capital markets and advisory

    Our TD Securities partners provide in-depth strategy and investment banking services.

  • Optimize transactions

    TD's comprehensive suite of services can streamline your daily business operations.

Comprehensive financing made to order

Working with TD, you'll benefit from one of the highest credit ratings of North American banks. We work with both national and regional restaurant and fitness franchises as well as independent restaurant groups.

If your business has an EBITDA of $5MM+, TD can provide financing with flexible rates and terms, customized solutions and advice from a seasoned team of franchise finance experts.

Connect with us to learn more

Mark Wasilefsky

Head of Restaurant & Franchise Finance

Email Mark

Our franchise partners:

For McDonald's operators, we have a dedicated program

2025 TD Franchise Survey results

According to TD Bank's 2025 survey,1 restaurant and franchise leaders expect steady-to-improving growth driven by convenience and value while increasingly leaning on AI, even as macro pressures remain in the backdrop in 2026.

  • 82%

    Industry-wide growth will improve or remain stable.

  • 53%

    Mobile ordering will be a top revenue driver for restaurants.

  • 40%

    AI can deliver meaningful improvements in labor efficiency, training and scheduling.

  • 34%

    Using AI to analyze customer data and market trend predictions shifts will have an impact on operations.

Leverage integrated Treasury Management Services

Treasury management solutions are the backbone of every business, and TD's platform can help you overcome any working capital or efficiency challenges. Manage your cash, move your money, and pay your bills all in one powerful tool, built to help you thrive.

  • Built for franchises of any size

    Enjoy customized solutions for payment, reporting, risk management and short-term investments.

  • Cash receipts processing

    Ensure a streamlined and cost-effective approach with customized solutions to meet all your depository needs.

  • Accounts payable solutions

    Manage and improve your AP process and overall cash position with solutions like Embedded Banking, File Transmission BIA2 files, and a commercial card with virtual option.

  • Commercial deposits and solutions

    Enhance daily operating cash requirements, build reserve cash pools, or plan longer-term strategic investments with customized and automated solutions.

Learn more about TD Treasury Management Services

Featured insights

Review market trends, developing perspectives and data-driven research across commercial industries and services, including articles by TD's top thought leaders.

Five generations of growing wildly better

How Wyman’s and TD cultivate resilience, community, and one of the world’s healthiest fruits.

Hermann Services drives growth forward with TD at its side

As Hermann Services approaches its 100th year, its relationship with TD is key to realizing the company's ambitions.

U.S. Quarterly Economic Forecast

Explore the latest trends and market themes as TD Economics shares what they expect to see in the next quarter.

More commercial banking solutions

  • TD Securities

    Access innovative, fully integrated strategic and financial solutions, tailored to meet your business goals

  • Small Business Administration (SBA) Loans

    For franchises with an EBITDA of less than $5MM, explore SBA loans from TD, a Preferred SBA Lender

  • Retirement, Estate, & Wealth Planning

    Explore our holistic and team-based approach that's focused on your goals, objectives and future dreams

  • Merchant Solutions

    Accept payments and manage your business with customized services featuring Clover®

  • TD Business Central

    Secure, convenient and connected banking for your business, all in one integrated platform

  • TD eTreasury

    Manage your banking efficiently with customized, real-time reporting, alerts and notifications

Let's work together

Mark Wasilefsky

Head of Restaurant & Franchise Finance

Email Mark

1This study was conducted among a representative group of 253 restaurant franchise operators and finance industry professionals across the United States. Conducted at the 2025 Restaurant Finance and Development Conference held in Las Vegas, NV from November 10–12, 2025.

Loans subject to credit approval. Some credit restrictions may apply. Other terms and conditions may apply.

You are advised to consult with your accounting or tax expert before accepting any financial products.

TD Equipment Finance, Inc. is a wholly-owned subsidiary of TD Bank, N.A.

"TD Securities” is a trademark of The Toronto-Dominion Bank and represents TD Securities Inc., TD Securities (USA) LLC, TD Bank Europe Limited, TD Global Finance unlimited company, TD Financial Products LLC, TD Prime Services LLC, Toronto Dominion (South East Asia) Limited and certain other subsidiaries and branches of TD engaged in investment banking, capital markets and wholesale banking activities.

TD Securities (USA) LLC, TD Prime Services LLC, and TD Financial Products LLC are members of SIPC and FINRA (see FINRA BrokerCheck). Visit our legal page for more information.

McDonald's, the Golden Arches Logo and the McDonald's building design are trademarks of McDonald's Corporation and its affiliates. Used with permission. McDonald's does not endorse or control this program, but permits TD Bank to make this offer available. McDonald's is not responsible or liable for any products or services offered by TD Bank.

Have a question? Find answers here

Popular Questions