KeyStone Financial offers one of the only small consumer loan franchise opportunities in the U.S., providing short-term installment loans with fairness, transparency, and high earning potential. Franchisees can operate actively or passively, with strong support, a flexible model, and the chance to make a meaningful financial impact in their communities.
Real Returns, Real Impact
KeyStone Financial is setting a new ethical standard in the small loan lending industry. Offering personal installment loans ranging from $200 to $5,000, KeyStone serves individuals who may have limited credit histories or past slow payments. Unlike payday lenders, KeyStone underwrites each loan with fairness and responsibility, ensuring borrowers have the ability to repay and, in many cases, improve their credit.
With a growing national need for accessible financial solutions—37% of adults in a recent Federal Reserve survey said they couldn’t cover a $400 emergency expense with cash—KeyStone fills a critical gap. This is one of the only franchise opportunities in America where franchisees function as the lender, with potential for high ROI and community impact.
WHY CHOOSE KEYSTONE FINANCIAL
- One of the few small loan franchise models in the U.S.
- High demand: serves a large, underserved consumer base
- Transparent, installment-based lending with no payday loans
- Flexible ownership: choose active or absentee management
- Streamlined operations: small footprint, minimal staff, open 45 hours/week
- High-yield investment opportunity as portfolio matures
- Franchisee support tailored to your level of involvement
- Mission-driven approach to financial inclusion and credit improvement
TRAINING & SUPPORT
KeyStone provides the tools and guidance needed for success, whether you're new to lending or an industry veteran:- Proven lending models and underwriting support
- Full training on operations, compliance, and customer service
- Ongoing assistance with management, hiring, and marketing
- Expert oversight to ensure ethical lending and smooth growth
- Franchisee support throughout your business journey
IDEAL CANDIDATE
KeyStone is seeking franchisees who are serious about leadership, accountability, and long-term growth:- Strong team management and organizational skills
- Financial readiness to support a growing loan portfolio (approx. $1.2M over time)
- Background in consumer finance is a plus, but not required
- Entrepreneurial mindset with a focus on fair customer service
- Ability to stay engaged and uphold KeyStone’s ethical lending standards
Ready to bring responsible lending to your community?
Request information below to learn more
KeyStone Financial Financial Data
The following financial information was provided by KeyStone Financial to give you more information about the costs associated with a KeyStone Financial opportunity
Minimum Cash Required
$250,000
Franchise Fee
$50,000
Available Locations:
Single-unit, Multi-unit opportunities available in SC, TN, GA, TX, AL, KY, OK, MS, LA, & MO.
Business Type:
Franchise
MINIMUM CASH REQUIRED:
$250,000
Financing Assistance
None
Training Provided:
Yes