Co/LAB Lending
Financial Services · Other Financial Services
Description
What is Co/LAB Lending?
This franchise model enables owners to provide vital financial services to businesses and individuals who may find traditional banking options insufficient or inaccessible. By leveraging cutting-edge technology and a customer-centric approach, Co/LAB Lending franchisees can build meaningful relationships within their communities while helping clients achieve their financial goals.
As a Co/LAB Lending franchisee, you'll operate in a sophisticated professional environment, offering various lending products and financial solutions tailored to meet diverse client needs. The business model is designed to be scalable, allowing franchisees to grow their operation while maintaining high service standards and compliance with financial regulations.
The franchise provides comprehensive training and ongoing support to ensure franchisees are well-equipped to navigate the complexities of the financial services industry. This includes guidance on regulatory compliance, marketing strategies, and operational best practices. With the financial services sector continuously evolving, Co/LAB Lending offers entrepreneurs an opportunity to establish themselves in a growing market while making a significant impact on their local business community.
- Lower minimum investment barrier than subsector average
- Operates in growing alternative lending market
- Technology-enabled lending platform approach
- Established brand with 5-year operating history
- Targets underserved small business financing segment
- Financial services franchise in expanding digital lending space
Location Analysis
Where Co/LAB Lending wins
Is your territory available?
We'll take you through a few quick questions, then Co/LAB Lending confirms availability directly.
Financial Analysis
The numbers behind Co/LAB Lending
The alternative lending industry has experienced growth driven by small business financing gaps and technological advancement in credit assessment. However, without available revenue data, the financial performance and scalability of this particular model cannot be assessed.
As a 2019-established franchise operating with only one unit after five years, Co/LAB Lending presents significant considerations for prospective investors. The limited expansion over this timeframe raises questions about system growth potential and market acceptance, despite the growing alternative lending sector.
The business model requires strong relationship-building skills and understanding of commercial lending principles. Given the single-unit operation and limited operational track record, prospective franchisees face considerable uncertainty regarding proven business systems and support infrastructure.
Ideal investors should possess financial services experience and substantial working capital beyond the initial investment. The lack of expansion history and absence of revenue data necessitate extremely thorough due diligence and careful evaluation of market conditions before investment consideration.
Financing partners
Vetted partners, tailored to franchisees
Your Franzy advisor can connect you with these partners later in the process — competitive rates, specialized in franchise financing.
FranFund
CRF USA
Nonprofit SBA lender; provides financing for franchise acquisitions, startups, and expansion.
First Bank of the Lake
Pension Pros
FDD Item 7
Initial investment range
Per FDD Item 7, total initial investment ranges from $29,750 to $114,100. The midpoint $71,925 is what most franchisees report at signing — financing typically reduces cash-at-close by 80–90%. Knowing the investment range helps you plan confidently and ensure you're fully prepared to make the leap.
Growth over time
Franchise footprint
2024 Franchise Disclosure
FDD documents
Below are items 2, 3, 4, 7, 11 and 19 for Co/LAB Lending's 2024 FDD. The complete FDD is delivered to you directly by the franchisor, per the FTC Franchise Rule.
Connect to download Items 2, 3, 4, and 11 — direct from the franchisor.
Buyer FAQs
Frequently asked questions
The initial investment for a Co/LAB Lending franchise typically ranges between $29,750.00 and $114,100.00. This includes the franchise fee, equipment, real estate, and other startup costs. To get a detailed breakdown and better understand the financial requirements, we recommend scheduling a call with the Franzy team. We'll walk you through the specifics and answer any questions you might have. For more detailed information, refer to the financial sections of the FDD.
Disclaimer. The information provided on this page is based on the latest Franchise Disclosure Document (FDD) that is publicly available and that we have on record, which was issued in 2024. This information is for informational purposes only and is not intended to constitute legal, financial, or business advice. We make no guarantees or claims regarding the completeness or accuracy. For the most current and detailed information, we recommend consulting the franchisor directly for the most recent FDD and regarding any questions that you may have about the information provided.
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