What’s the best way to fund a Replay Sports Cards franchise?
Opening your own Replay Sports Cards franchise is an exciting opportunity — one that combines your love for the hobby with the chance to own a growing, community-driven business. Of course, one of the biggest questions future owners have is: “How do I fund my franchise?”
The good news is, Replay is a more affordable franchise compared to many concepts, with a total investment typically ranging from $300,000 – $600,000. And there are several flexible options to make that investment possible.
Here are four of the most common ways franchisees fund their Replay journey:
1. Home Equity Line of Credit (HELOC)
If you’re a homeowner with built-up equity, a HELOC can be a smart option.
How it works: A lender allows you to borrow against the equity in your home, often at competitive interest rates.
Why it’s appealing: It’s relatively quick to access and can provide the cash you need without dipping into retirement accounts or taking on higher-interest debt.
Best fit for: Homeowners with significant equity who want flexibility and favorable loan terms.
2. 401(k) Rollover (ROBS)
Your retirement savings can also be used to invest in your future business.
How it works: Through a Rollover for Business Startups (ROBS), you can roll over funds from a qualified retirement account into your new business — without paying early withdrawal penalties or taxes.
Why it’s appealing: It allows you to invest in yourself while keeping debt low.
Best fit for: Entrepreneurs with substantial retirement savings who believe strongly in their long-term success as a Replay franchisee.
3. SBA Loan
The Small Business Administration (SBA) partners with lenders to help entrepreneurs secure financing.
How it works: An SBA loan is partially guaranteed by the government, making lenders more comfortable offering favorable terms.
Why it’s appealing: Lower down payments, longer repayment terms, and reasonable interest rates.
Best fit for: Entrepreneurs who may not want to use personal assets or retirement funds and prefer structured, long-term financing.
4. Friends and Family
Sometimes the best support comes from the people closest to you.
How it works: Family or friends can invest in your business through loans or equity.
Why it’s appealing: Terms may be more flexible and personal than a traditional lender.
Best fit for: Entrepreneurs with strong personal networks who want to build a business that benefits everyone involved.
DECIDing the Right Path
There’s no one-size-fits-all answer. Many Replay owners combine multiple funding sources to create the solution that works best for them. The key is to evaluate your financial picture, your comfort with risk, and your long-term goals.
No matter which path you take, one thing is clear: investing in a Replay Sports Cards franchise is an investment in yourself, the growing sports card industry and your community.