Trends in Franchising Today

Shifting DemographicsMajor changes in the U.S. population are affecting not only who consumers are today, but also the available labor market. Franchisors and franchisees alike must adapt to this changing customer and employee base to find opportunities for growth.

TechnologyIn 2017, tech is where it’s at for the fast-food and fast-casual restaurant sectors. It will affect everything from ordering to pick-up to delivery, including curbside pick-up too! Curbside pick-up is expected to explode in 2017 as improvements are continually being made.

Remodeling/Renovation Many top tier franchised brands, such as Wendy’s, Dunkin’ Donuts, Burger King, and Taco Bell, will continue their remodeling efforts in 2017.

Many other things have changed in franchising as well. In its earlier years, franchising was a place for single-unit owners content to “buy a job,” be their own boss, and provide a modest income. Today, more than half of all franchise units in the United States are run by multi-unit operators.

How Sterling Can HelpSterling National Bank Franchise Finance provides a full array of loan products to multi-unit franchisees and franchisors of national and regional restaurant brands. Through Sterling’s approach, we tailor loans to the needs of the respective franchisee or franchisor with an emphasis on strong concepts, solid cash flow coverage, appropriate capital structure, and an attractive collateral mix between fee simple, space-leased, and ground-leased restaurant units.

Every customer can expect an extraordinary partner. Sterling believes strong relationships with our clients lead to individualized, unparalleled service and tailored finance solutions. Our team delivers a personalized approach to secure the needs and successes of each customer.

Why Sterling We’re committed to providing the right

products and services to help you coordinate every financial need.

Sterling realizes that one loan structure does not fit every borrower’s needs. Therefore we offer impeccable customer flexibility.

Sterling offers fixed and variable rates. This customization allows our customers to secure financing that fits the needs of their business.

Sterling’s Franchise Division is specifically focused on the franchised restaurant industry. Our expertise is understanding our customers’ and prospects’ business.

The franchising industry as a whole changes each year. Sometimes it is the businesses that are hot at the moment that make the trends. Other times it is technology or regulations that shift how those in the franchising industry do business.

Sterling Can Help

Solutions Offerings Business Value / Cash Flow

Financing Equipment Store Purchases / Acquisitions Remodeling Refinance Capital Loans SBA Loans Recapitalization

Impact to Our ClientsSingle Point of ContactSterling takes a personalized and strategic approach to serving every client, becoming a true collaborator of growth.

ExpertiseClients are connected to experts and decision-makers within each field who will help determine the solution that is right for you and your business.

SpeedSterling is built for speed. We are able to make in-house credit decisions within a few hours of application for financing of projects under $2MM.

Industry knowledgeOur team has a wealth of knowledge within the franchise community. We work side by side with many of your approved equipment vendors, making the process easy and convenient.

Expect extraordinary. Sterling believes strong relationships with our clients leads to unparalleled service and tailored finance solutions.

Sterling Relationship Managers

Keith SmithSVP, Senior Managing Director(212) 575.2473ksmith@snb.com

Lindy Baldwin VP, Managing Director (402) 312.2542 lbaldwin@snb.com

Related Solutions Cash Management Asset Based Lending Deposits

© 2017 Sterling National Bank 02/2017

Sterling Bancorp, of which the principal subsidiary is Sterling National Bank, specializes in the delivery of service and solutions to business owners, their families, and consumers within the communities we serve through teams of dedicated and experienced relationship managers. Sterling National Bank offers a complete line of commercial, business, and consumer banking products and services. Additional information is available at: www.sterlingbancorp.com

Expect extraordinary.Ranked by Forbes’ 2017 “America’s

100 Best Banks”

Whether you’re investing in a series of equipment upgrades or location refreshes, your Sterling Relationship Manager will provide you with the information you need to make smart decisions for better outcomes.

We offer 100% financing for all types of equipment, fixed payment schedules linked to business seasons and cycles, streamlined approvals, and the convenient option to add new equipment to existing leases.