Keystone Financial - Franchise
KeyStone Financial offers one of the only small consumer loan franchise opportunities in the U.S. As a franchisee, you function as the lender—delivering ethical, transparent, and personalized service. With full training and support, a flexible business model, and a mission to set a new standard in lending, KeyStone empowers entrepreneurs to succeed while making a difference in their communities.
Requirements
Financial requirements for this franchise:
| Liquid Capital: | $250,000 What does Liquid Capital mean? |
|---|---|
| Net Worth: | $1,000,000 What does Net Worth mean? |
| Franchise Fee: | $50,000 What does Franchise Fee mean? |
| Total Investment: | $408,400 - $714,500 What does Total Investment mean? |
| Royalty Fee: | 6% |
Options
Options available to franchisees:
| Financing: | Via 3rd party |
|---|---|
| Training: | Available |
Franchisor Details
Facts about this franchise:
| Home Office: | Spartanburg, SC |
|---|---|
| Year Founded: | 2018 |
| Franchising Since: | 2025 |
What Does a Keystone Financial Franchise Cost?
Interested parties should have at least $250,000 in liquid capital to invest and a minimum net worth of $1,000,000. Franchisees can expect to make a total investment of $408,400 - $714,500. Keystone Financial charges a franchise fee of $50,000. They also offer financing via 3rd party . *
Own a KeyStone Financial Franchise
KeyStone Financial is one of the only small consumer loan franchise businesses in the country. With a unique and flexible business model, franchisees benefit from strong support and the opportunity to help fill a major gap in the financial services industry.
Be the Banker
As a KeyStone franchise owner, you function as the banker—offering installment loans to customers using a time-tested, proprietary lending model. This franchise opportunity allows you to operate a rewarding and potentially high-impact business with real returns and measurable community benefit.
What Makes KeyStone Different
Revolutionizing the Lending Experience
KeyStone is committed to reshaping the small loan lending space by prioritizing fairness, transparency, and outstanding customer service. Franchisees play a vital role in setting a new ethical standard for the industry.
Mission-Driven Culture
Every KeyStone franchise works to break stereotypes commonly associated with small loan businesses. The brand stands for respectful, honest, and personalized service to every customer it serves.
Comprehensive Franchise Support
From initial training to ongoing operational guidance, KeyStone provides full support to help franchisees thrive. Whether you're actively managing day-to-day operations or functioning as a semi-absentee owner, you'll receive the tools and training needed for success.
Who We're Looking For
Ideal franchise candidates are leaders who can manage a team and stay focused on the fundamentals of the lending business. While finance experience can help, it’s not required—commitment to professionalism and customer care is key.
Franchise Ownership Path
The onboarding process is structured to ensure you're well-prepared every step of the way:
- Initial Inquiry
- Prequalification Questionnaire
- Prequalification Call
- Discovery Day
- Approval and Franchise Award
- FDD Agreement
- Grand Opening
Availability
Keystone Financial is currently accepting inquiries from the following states:
Alabama, Georgia, Kentucky, Louisiana, Missouri, Mississippi, Oklahoma, South Carolina, Tennessee, Texas
Interested parties should have at least $250,000 in liquid capital to invest.
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