How to Finance a Pür & Simple Franchise: Brunch Build-Out Costs
By Marc Cornella
A Pür & Simple franchise loan funds a full-service breakfast, brunch and lunch restaurant that opens at 7 a.m. and closes at 3 p.m. The brand is a Canadian concept that now offers franchises in the United States, and its own US franchise page puts the starting development cost at $1,400,000, which makes careful loan planning essential.
Below we cover published costs and fees, how a daytime-only, sit-down restaurant looks to a loan officer, the brand’s SBA Franchise Directory note, and how to assemble equity, debt and working capital.
US Professional Funding is not affiliated with, sponsored by or endorsed by Pür & Simple; the name is used only to describe the business. Figures from the franchisor’s disclosure document and website can change, loan programs vary, and every loan is subject to approval. Nothing here is legal, tax or investment advice, so review the current Franchise Disclosure Document (FDD) and franchise agreement with a franchise attorney and accountant before you sign.
Pür & Simple Franchise Loan at a Glance
- Initial franchise fee: $40,000, according to the franchisor’s US franchise page.
- Development cost: the US franchise page says the cost of a restaurant starts at $1,400,000, with the final figure depending on local labor and materials, legal requirements, the condition of the space and any landlord contribution.
- Royalty: 5% of gross sales, paid weekly.
- Advertising contribution: 3% of gross sales, paid weekly.
- Restaurant size: typically 3,000 to 4,500 square feet in the US.
- Cash requirement: the franchisor asks for a substantial unencumbered cash contribution; confirm the current amount with the franchisor and in the FDD.
- Training: 5 weeks, combining classroom and practical training with on-site opening support.
- SBA Franchise Directory: listed under code S8357, with a note about lease documents when real estate secures the loan.
What Is Pür & Simple?
Pür & Simple is a breakfast restaurant brand that started in Quebec and grew across Canada before entering the US market. It markets itself under the tagline “Breakfast Reinvented” and describes its menu as imaginative twists on breakfast classics, with brunch and lunch dishes, gluten-sensitive options and artisanal alcoholic beverages such as brunch cocktails. The franchisor entity named on its website is Pür & Simple Restaurants Inc.
The US footprint. The company’s own location pages list a San Antonio, Texas restaurant established in July 2025, with 130 indoor seats and 36 patio seats, and the brand runs a Texas menu alongside its Canadian provincial menus. Because the US system is young, a borrower is backing an established Canadian concept still building its American track record.
The operating model. Restaurants keep a daytime schedule, 7 a.m. to 3 p.m. That keeps labor to one main shift but compresses sales into a short window, with weekend brunch carrying a heavy share.
How loan officers see it. A full-service breakfast restaurant with a bar program, a large dining room and a sizable build-out is a capital-intensive project. Lenders focus on operator experience, site strength and cash reserves more than on name recognition in a new market.
Pür & Simple Franchise Costs
Initial franchise fee. The US franchise page lists a $40,000 initial franchise fee. Check Item 5 of the current FDD for when it is due, whether any part is refundable and whether multi-unit agreements change it.
Real estate and build-out. Pür & Simple restaurants generally occupy leased retail space of 3,000 to 4,500 square feet. Converting a shell or second-generation space into a full-service dining room with an open kitchen, bar, restrooms and patio is usually the largest single cost. The franchisor notes that landlord contributions, such as a tenant improvement allowance, can change the total.
Kitchen equipment and furnishings. Expect griddles, waffle irons, ovens, refrigeration, dish equipment, POS technology, seating, bar equipment and decor.
Opening costs and working capital. Opening inventory, hiring and training a full front- and back-of-house team, pre-opening marketing and a reserve for the first months of operation all belong in the budget. The franchisor’s training program runs 5 weeks, with 2 weeks of theoretical and practical training and 3 weeks of on-site opening training and assistance.
Total investment. The US franchise page states that the cost of a restaurant starts at $1,400,000. Read the full Item 7 table in the current FDD for the complete range. The categories to expect include:
- Initial franchise fee
- Leasehold improvements and construction
- Kitchen, bar and dining room equipment
- Furniture, fixtures, signage and decor
- Technology and point-of-sale systems
- Opening inventory and supplies
- Training, travel and pre-opening expenses
- Deposits, permits, licenses and professional fees
- Additional funds for the initial operating period
Ongoing Fees and How They Affect Your Loan
Royalty. Franchisees pay 5% of gross sales, collected weekly.
Advertising. A further 3% of gross sales goes to the advertising contribution, also weekly.
Other fees. Technology, transfer, renewal and remodel obligations appear in Item 6 and the franchise agreement.
How lenders factor these in. Together, royalty and advertising take 8% of every sales dollar before rent, food, labor and debt service. Any Pür & Simple franchise loan is sized after those percentages, so lenders look for enough cash flow to cover payments with room to spare. Because fees are collected weekly, your working capital plan should match that rhythm.
Franchisor Requirements for New Owners
- Cash: the franchisor requires a significant amount of unencumbered cash; confirm the current figure with its franchise team.
- Hands-on ownership: the franchisor says it looks for entrepreneurial, hands-on owners.
- Operating partner: at least one partner holding 10% or more of the equity must complete training and run day-to-day operations.
- Training: completion of the 5-week program before opening.
The approval process. Candidates submit an inquiry, review the FDD, meet the franchise team and secure a qualified location. The franchisor says a restaurant generally opens about 12 to 20 weeks after a qualified location is secured. Line up financing conversations before you sign a lease so the loan timeline matches construction.
Ways to Own a Pür & Simple
A new restaurant. Most US owners will open a new location, which means the loan is underwritten on projections, the lease and the owner’s experience. Our restaurant start-up financing page outlines how we approach new openings.
Buying an existing restaurant. As the US system grows, resales may become available. A buyer can then show a lender actual sales and expenses, and the franchisor must approve the transfer. Read about financing a franchise restaurant acquisition.
Multiple restaurants. The franchisor advertises multi-unit opportunities. Developers need financing for the first unit plus a plan for funding later units on schedule.
Financing Options for a Pür & Simple Franchise
SBA 7(a) loans. Because the brand appears on the SBA Franchise Directory, an SBA 7(a) loan can be a fit for the build-out, equipment, franchise fee and working capital in one package, subject to approval.
SBA 504 loans. If you buy or build the building yourself, an SBA 504 loan is designed for owner-occupied real estate and long-lived equipment.
Conventional term loans. Experienced restaurant operators with strong balance sheets may use a conventional business loan, especially for a second or third unit.
Equipment financing. Griddles, ovens, refrigeration, bar equipment and POS systems can often be financed separately. See restaurant equipment financing and leasing.
Working capital and lines of credit. A daytime restaurant still carries weekly payroll, food orders and fee payments, and sales can dip between seasons or after the opening buzz fades. Our restaurant working capital options can help bridge those gaps.
Seller financing on resales. On the purchase of an existing restaurant, a seller may agree to carry part of the price. Any seller note is typically subordinate to the senior loan, and SBA rules may limit how it is structured.
SBA Loans for Pür & Simple Franchisees
The SBA Franchise Directory lists brands whose agreements have been reviewed for SBA lending. Pür & Simple appears under code S8357, so an SBA lender can consider a Pür & Simple franchise loan for one of its franchisees. The listing does not approve any borrower or location.
What the directory note means. The note says that when the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Rider and Collateral Assignment of Lease may not be executed. In plain English, those documents are tied to a leased location; if you own the property and pledge it as collateral, they should not be signed. Most owners lease, in which case your lender will review those lease documents as part of the deal.
Program size. The SBA 7(a) program maximum is currently $5 million, though program rules can change.
Application tips. Bring a near-final lease, contractor bids, the equipment package, the franchise agreement and an opening-period budget. Our SBA loan calculator gives planning-only payment estimates.
How Lenders Evaluate a Pür & Simple Deal
Personal credit and financial history. Expect a review of credit, tax returns and a personal financial statement, plus a personal guarantee.
Net worth and liquidity. The franchisor’s cash requirement sets a floor; lenders also want reserves left after closing for construction overruns and a slow ramp-up.
Restaurant experience. Full-service restaurant management, especially breakfast or brunch, strengthens a request. If you are new to the industry, the required 10% equity operating partner role becomes very important.
Business plan and projections. Build projections around a 7 a.m. to 3 p.m. schedule, weekday versus weekend traffic, average check, alcohol sales where licensed, labor for a single long shift and the 8% combined royalty and advertising load. Our guide to financing an emerging franchise covers how lenders handle a brand with a short local history.
The FDD and franchise agreement. Lenders read Items 5, 6, 7, 10, 17, 19 and 20 closely. Our article on how lenders read a Franchise Disclosure Document explains why.
Site and lease. Lenders review the lease term relative to the loan, renewal options, any tenant improvement allowance and parking for weekend brunch crowds.
Resales. On an existing unit, expect to provide several years of profit and loss statements.
Build-Out and Equipment Deep Dive
The build-out is where Pür & Simple budgets win or lose. A 3,000 to 4,500 square foot dining room with a bar and patio needs ventilation, grease management, plumbing for a high-volume dish area and finishes that match brand standards. Get bids and the franchisor’s design requirements before committing to a space.
Our restaurant build-out financing article explains how construction draws work and why a contingency matters.
Multi-Unit Growth and Development Agreements
When a development agreement commits you to several restaurants, lenders look at whether the first unit’s cash flow and your remaining liquidity can support the next opening. Check Item 5 and the development agreement for any development fee and the schedule you must meet.
Real-World Scenarios
A restaurant operator adding a brand. A full-service operator signs for one Pür & Simple location in a suburban center. The lender relies on the operator’s existing restaurants and finances the build-out and equipment with an SBA 7(a) loan.
A first-time owner with an experienced partner. A buyer with business experience brings in a partner with brunch restaurant management experience who holds more than 10% of the equity and runs operations. The lender weighs that partner’s background heavily.
An owner who buys the building. An investor-operator purchases a pad site and builds a free-standing restaurant. An SBA 504 loan funds the real estate, and the directory note means the lease rider documents are not used.
Common Mistakes to Avoid
- Treating the starting development cost as a ceiling
- Signing a lease before contractor bids and financing are lined up
- Ignoring the weekly timing of royalty and advertising payments
- Projecting weekend brunch volume across every day of the week
- Leaving no contingency for build-out overruns
- Naming an operating partner who cannot commit to daily operations
For more pitfalls, read the restaurant loan mistakes that cost owners the most.
Next Steps to Finance Your Pür & Simple Franchise
Step 1: Confirm your cash and operating plan. Verify your unencumbered cash and decide who will be the operating partner.
Step 2: Request and review the FDD. Study Items 5, 6, 7, 17 and 19 with a franchise attorney and accountant.
Step 3: Talk with a financing specialist early. Learn how a lender will size your Pür & Simple franchise loan before you commit to a location.
Step 4: Secure a site. Work with the franchisor on a 3,000 to 4,500 square foot space and get contractor bids.
Step 5: Build projections. Model the daytime schedule, fees, rent, labor and an opening reserve.
Step 6: Apply and close. Submit your loan package and align the closing with lease signing and construction.
Pür & Simple Franchise Loan FAQs
How much does it cost to open a Pür & Simple?
The franchisor’s US franchise page says the cost of a restaurant starts at $1,400,000, depending on local labor, materials, the space and any landlord contribution. Item 7 of the current FDD gives the full range.
What is the Pür & Simple franchise fee?
The US franchise page lists an initial franchise fee of $40,000.
What royalty does Pür & Simple charge?
A royalty of 5% of gross sales plus a 3% advertising contribution, both paid weekly.
How much cash do I need?
The franchisor asks for a substantial amount of unencumbered cash. Confirm the current requirement with the franchisor, and plan for lenders to want reserves beyond it.
Can I get an SBA loan for a Pür & Simple?
The brand is listed on the SBA Franchise Directory under code S8357, so SBA 7(a) and 504 loans can be considered, subject to approval.
Does Pür & Simple offer financing?
Review Item 10 of the current FDD for any franchisor financing. Most owners arrange their own loans.
Can I finance equipment separately?
Yes. Kitchen, bar and POS equipment can often be financed or leased apart from the main loan.
Can a first-time restaurant owner qualify?
Possibly. Lenders and the franchisor weigh business experience, liquidity and the operating partner’s restaurant background.
How long does it take to open?
The franchisor estimates about 12 to 20 weeks after a qualified location is secured.
How long is the franchise term?
Check Item 17 of the current FDD for the term, renewal and transfer conditions before you borrow.
Does the FDD include financial performance information?
Review Item 19 of the current FDD to see whether it includes financial performance representations.
Final Thoughts
A Pür & Simple restaurant is a sizable, full-service build with a daytime-only schedule. Buyers who budget beyond the starting cost, keep strong reserves and bring real restaurant experience to the table give their Pür & Simple franchise loan request the best chance of a smooth approval.
US Professional Funding helps franchise owners and buyers finance start-ups, acquisitions, equipment and working capital. Learn more about our franchise financing and restaurant financing solutions.
