Holiday Hours

In observance of Veterans Day, SouthState locations will be closed on Wednesday, November 11. SouthState Customer Care will be open 8 a.m. - 5 p.m. ET. Transactions initiated or scheduled on a holiday are processed the next business day.

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Franchise Finance Expertise

Smarter Moves, Faster Growth

From multi-unit acquisitions to new builds, our franchise finance experts understand your pace – and the strategies that drive your growth.

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Banking Forward for Ambitious Franchise Owners

Banking Forward for Ambitious Franchise Owners

Meet Your Franchise Finance Bankers

Innovative Banking Solutions for Real Franchise Needs

Innovative Banking Solutions for Real Franchise Needs

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Franchise Finance Success Story

During the pandemic, navigating the uncertainties was overwhelming... It was incredibly reassuring to have SouthState as my trusted ally throughout.

Gil Benjamin, Franchise Owner of Primrose School of Five Forks

Read the Complete Story

Recent Franchise Finance Deals

Recent Franchise Finance Deals

Comprehensive Financing Solutions for Franchise Success

Comprehensive Financing Solutions for Franchise Success

Reach Out to a Franchise Banker Today

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Commercial Stories and Insights

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    Meet the Bankers
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    View Solutions
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    Get More Insights
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    Jose Garrido

    SVP, Director of Franchise Finance Group

    (678) 522-2232

    Email Jose
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    Jenise Burks

    SVP, Franchise Finance Relationship Manager

    (615) 767-7483

    Email Jenise
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    John Dutko

    SVP, Franchise Finance Relationship Manager

    (404) 376-5974

    Email John
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    Lindy Baldwin

    VP, Sales Portfolio Specialist

    (402) 312-2542

    Email Lindy
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    Sean Kenney

    SVP, Franchise Finance Relationship Manager

    (513) 515-4366

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    David Sims

    SVP, Franchise Finance Relationship Manager

    (678) 469-6644

    Email David
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    Jon Roberson

    Director, NAPA Loan Program

    (404) 542-7821

    Email Jon
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    Greg Johnson

    VP, Franchise Finance Relationship Manager

    <div class="banker-body">(757) 320-3725</div>

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    Cindy Taylor

    VP, Sales Portfolio Specialist

    (404) 443-1063

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    Food & Beverage

    $7,125,000

    McDonald’s

    Houston, Texas

    • Acquisition
    Learn More

    Food & Beverage

    $14,300,000

    Dunkin’

    Florida

    • Refinance
    • Balance Sheet Recap
    • Development Line of Credit

    Education

    $16,000,000

    Early Childhood Education

    Virginia

    • Acquisition
    A smiling man in a dark blazer stands outside a Dunkin' store decorated with autumn pumpkins.

    Franchise Financing

    Whether you are opening new locations, buying existing franchises, or reinvesting in your operations, our financing options provide capital you need to grow.

    Get In Touch
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    Treasury Management

    Enhance your franchise operations with treasury management solutions that optimize cash flow, simplify payments, and improve your financial efficiency.

    Explore Your Options
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    ARC Loans by SouthState Bank

    SouthState’s ARC program gives franchisees simple, on-balance sheet financing – no ISDA, no derivatives. Just fast, fixed-rate certainty for your growth, remodel, or refinancing so you can continue to move your franchise forward.

    Contact Us to Learn More

    All loans are subject to credit approval.

    Banking forward in franchising means knowing the brand, understanding the business, and recognizing the urgency. At SouthState, we bring deep expertise with some of the most iconic brands in franchising. Because when opportunity knocks, there’s no time to waste. We respond quickly, think creatively, and act as true partners to our clients, offering strategic guidance and customized financial solutions designed to fuel smart, sustainable growth. Whether you’re opening your first unit or scaling to your 50th, we move at your pace — helping you capitalize on every opportunity.
    We believe in building relationships, not just providing loans. Our approach to franchise lending combines industry expertise with customized financial solutions that help your business compete and thrive in today's market.
    Running a successful franchise involves more than a reputable brand—it demands strategic financial solutions to manage growth, cash flow, and daily operations. At SouthState, we deliver tailored financing, treasury management, and lending solutions1 specifically designed for franchise owners. This is our commitment to Banking Forward.

    Commercial Stories and Insights

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    5/5/2023

    Dickson Auto Parts Finds New Ways to Keep Growing

    By SouthState

    Thumbnail for Emerging Risks Fraud Trends in Business & How to Prepare for Them
    10/29/2024

    Emerging Risks Fraud Trends in Business & How to Prepare for Them

    By SouthState

    Thumbnail for Best Payment Method: ACH, Wires, or Instant Payments?
    6/10/2026

    Best Payment Method: ACH, Wires, or Instant Payments?

    By Tara Edmonds

    Thumbnail for A Flavor-full Life: How Vera Stewart Cooks Up Success
    5/28/2026

    A Flavor-full Life: How Vera Stewart Cooks Up Success

    By Rachel Ham

    Thumbnail for Commercial, Business & Private Banking Expertise Added to the SouthState Footprint
    4/26/2022

    Commercial, Business & Private Banking Expertise Added to the SouthState Footprint

    By SouthState

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