Bank Financing

If you are seriously considering purchasing a Jamaica Blue café franchise business and you are looking into your financing options, Jamaica Blue makes it easier for you with bank accreditation at all four of the so-called “Big-Four” banks in Australia: Commonwealth Bank, NAB, Westpac and ANZ.

Most banks will lend money to future café franchise owners based only on their tangible assets such as equity in a house, cash or shares as a means of securing the business loan, in what is referred to as secured lending.

As Jamaica Blue is an accredited franchisor, a bank may also allow a potential franchise owner to borrow against the inherent or perceived value of their future café business as well, referred to as unsecured lending.

With bank accreditation, Jamaica Blue gives you the opportunity to more easily secure the bank loan you may require to open your future café business. For example, if the café business you’re interested in costs $300,000 and you have $150,000 equity in your house, the most a bank will lend you is $150,000. But when structuring a business loan with an accredited franchisor like Jamaica Blue, a bank has the option to lend additional money up to the value of the secured assets.

This allows you to borrow the full $300,000 with 50% secured against your house (secured) and 50% secured against the business (unsecured). Banks will typically lend based on a 50/50 split between secured and unsecured assets, with the rare occasion seeing them lend a little more percentage in unsecured.


Each year Jamaica Blue undertakes a lengthy and involved auditing process with all four banks, whereby all facets of the Jamaica Blue business are evaluated and assessed for compliance and operational status, in order to obtain bank accreditation. To grant the accredited status, the banks take into consideration the performance of both Jamaica Blue and the franchise partners, as well as the “security” of the brand. As this is done annually, this ensures that the Jamaica Blue operational performance is checked against appropriate standards.

In general, obtaining financing for a Jamaica Blue café business takes approximately 12 weeks from start to finish. Whilst this is happening, all the necessary Jamaica Blue applications, checks and processes are running concurrently to the finance applications. This means you won’t be waiting for one to complete before the next one starts.


What you will need: A good understanding of both your financial situation, and the financial parameters of the business you’re looking to finance when you go and see the financial institution.

Financial situation: A copy of your bank accounts, mortgages and any loans, credit cards and other financial arrangements you have.

Financial parameters: How much are you looking to borrow? How much do you project the business will turnover? What ROI are you projecting?


How much do I need to have for an initial investment? Usually $150K – $200K in accessible assets (including but not limited to) equity in the home, savings, cash, shares.

How do I get business financing? Simply ask the Jamaica Blue Development Manager in your state to put you in contact with the relevant bank contact.

What options are available? Ask the bank what is best for your individual situation.

Submit an enquiry.

The enquiry form below is for Franchise Partners who wish to purchase a Franchise.
If you wish to apply for employment in one of our cafés, please click here.

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