Kwik Kopy franchise finance

You can take out a business loan to cover the $210,000 start up cost for a new Kwik Kopy franchise.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Established in 1982, Kwik Kopy provides printing and design services to small and medium businesses. With over 100 established Kwik Kopy franchise centres across Australia, and with Australians increasingly leaving the corporate world to start their own small business ventures, Kwik Kopy is seen as a relatively safe franchise investment.

Not only is this good news for franchisees in terms of the potential profitability of a new Kwik Kopy franchise, it also makes it easier for interested franchisees to obtain finance.

If you love all things print and design and enjoy providing services to small and medium business owners to help them achieve their business goals, a Kwik Kopy franchise could be the perfect choice for you. Read on to find out more about the costs and profitability of this franchise system, as well as how to obtain finance for a Kwik Kopy franchise.

What costs and profitability can I expect with a Kwik Kopy franchise?

Initial costs

The initial investment to establish a new Kwik Kopy franchise is $210,000. The term of a franchise agreement for a new Kwik Kopy franchise is 15 years.

If choosing to purchase an established franchise rather than setting up a brand-new business, initial costs will vary considerably depending on the location and profitability of the existing franchise. As with the purchase of any other business, the existing franchisee will need to provide full audited financial statements for you and your accountant to verify the figures and make an assessment as to the feasibility of the initial cost.

Ongoing costs

As with any franchise system, Kwik Kopy franchisees will be subject to royalties and other ongoing costs. All Kwik Kopy franchisees pay 7% royalties on all sales, in addition to a marketing levy of 2.5% of all sales.

Of the 2.5% marketing levy, 1.5% is directed towards a fund that purchases national marketing for the benefit of all Kwik Kopy centres across Australia, while the remaining 1% is intended to fund local marketing efforts.


Having been established as a franchise system for 35 years in Australia, Kwik Kopy is regarded as a stable business model that provides a regular income for franchisees. No matter how profitable, most franchisors are unwilling to guarantee a particular income for new franchisees, or to even give a ballpark figure as to the income they can expect. This is understandable, given that the profitability of any individual business will always depend to a large extent on the individual franchisee, the business's location, the day-to-day staff and a multitude of other factors that are specific to each franchise.

New franchisees are often unaware that the profitability of their business will be at its worst for at least the first year of operations, as they struggle to gain a foothold in the local economy and build up a client base. Some franchisors will, from time to time, offer a guaranteed income for a limited time following the opening of a new franchise. This is designed to encourage new franchisees to take the risk of opening a new franchise and offers a level of stability in those tumultuous first few months or years.

Until 30 June 2018, Kwik Kopy is offering a guaranteed income of $52,000 to new franchisees for their first year of operation. As part of the offer, Kwik Kopy will match marketing expenses associated with the launch of a new centre. The offer is available to new Kwik Kopy franchises opened in Adelaide, Brisbane, Melbourne or Sydney metropolitan areas only, while franchises opened in other areas of Australia will be considered on a case-by-case basis. Note that new franchises do not have to be up and running by the cut-off date of 30 June 2018, provided the franchise agreement has been signed before this date.

How to finance a Kwik Kopy franchise

Finance options

With the cost of a new Kwik Kopy franchise set at $210,000, and the cost of purchasing an established franchise varying depending on the businesses location and past financial performance, most people looking to enter into the Kwik Kopy system will need finance.

Kwik Kopy is considered to be a low risk, accredited franchise and has existing relationships with the ANZ and Westpac banks. These pre-existing relationships make it easier for potential franchisees to convince lenders that the proposed business is viable and low risk. You will still need to present a compelling business plan and prove that you will be able to service your loan repayments if approved for finance.

Consider the following finance options:

  • Unsecured business loan. With loan values typically up to $500,000, many people are taking advantage of unsecured business loans, especially if they don't have residential property that they can offer up as security for a loan. In exchange, borrowers will need to satisfy the lender as to their suitability for the loan, typically by providing business financials that show a minimum regular revenue and a significant amount of time in operation. Repayment terms for unsecured business loans vary between three months and five years, with an average repayment term of two years.
  • Secured business loan. With lenders typically lending up to 80% for loans up to $1 million and up to 70% for loans up to $5 million, a secured business loan requires a residential property to be put up as security for the loan. The lender will organise a valuation of the residential property and will make its loan offer based on the valuation amount, along with other factors. The terms of a secured business loan are typically between 25 and 30 years.
  • Franchise loan. Franchise loans differ from business loans in that the amount of the loan is based on the lender's perceived value of the franchise business itself. Keep in mind that this value may not exactly correspond with the purchase price the you have negotiated but will be based on the lender's own criteria. The amount of the franchise loan will include all aspects of the initial setup of the business and the purchase of the franchise itself but will not include an amount for working capital. The term of the franchise loan is directly linked to the initial term of the franchise agreement itself.

How to get approved for finance

Even with Kwik Kopy's relationship with some of the major Australian banks, it can still be a difficult process to get a finance application approved. The key to finance approval is to have a good understanding of the lending criteria before you submit your application and attend your appointment.

Unfortunately, this can be easier said than done, as there are no standard lending criteria across various lenders, nor are lenders obliged to make information about their lending criteria publicly available.

On the other hand, there are basic criteria that seem to be a starting point across many lenders in Australia.

When preparing your business loan application, aim to convince the lender of the following:

  • The purpose for which the loan is being sought is a good one. In this instance, a Kwik Kopy franchise is generally recognised as a sound business model. Bolster your application with a detailed business plan including profit and cashflow forecasts.
  • You have the ability to service the loan repayments without financial hardship.
  • You have appropriate security to accompany your loan application.
  • You are of good character and have the experience, education, and qualifications necessary to run a profitable Kwik Kopy franchise business.

Business loans you can consider

Name Product Min. Loan Amount Max. Loan Amount Loan Term Upfront Fee Filter Values
Heritage Bank Fully Drawn Business Loan
No maximum amount
1 to 25 years
Application fee is available upon application
Get access to a loan from $20,000 with no maximum limit with Heritage Bank. Loans can be secured by residential and non-residential property and have terms of up to 25 years.
Swoop Finance Business Loan
1 to 20 years
Depending on your loan contract
Apply online and borrow between $1,000 and $100,000,000. Options for good and bad credit borrowers.
Zip Business Loan
6 months to 3 years
No establishment fee
Borrow up to $500,000 with loan terms of up to 3 years. Flexible weekly, fortnightly and monthly repayment options available with no early repayment fees.
Moula Business Loan
1 to 2 years
2% Establishment fee
A loan of up to $250,000 that can be approved and funded within 24 hours. Available to businesses with 6+ months operating history and $5,000+ monthly sales.
Lumi Unsecured Business Loan
3 months to 3 years
2.5% establishment fee
Apply for up to $300,000 from Lumi and benefit from short loan terms, no early repayment fees and once approved receive your funds in just one business day.
Capify Unsecured Business Loan
3 to 13 months
3% origination fee
An unsecured business loan up to $300,000 for eligible businesses. Businesses operating for a minimum of 6 months and having turnover of at least $10,000 a month can apply.
ebroker Business Loan
1 month to 30 years
$0 application fee
Small business loans available between $5,000 and $5,000,000. Get access to 70+ non-bank lenders on this independent platform.
Max Funding Unsecured Business Loan
1 month to 1 year
$0 application fee
An unsecured business loan from $3,000 that offers convenient pre-approval and no early repayment fees.
Valiant Finance Business Loan Broker
3 months to 5 years
$0 application fee
A Business Lending Specialist from Valiant Finance can give you access to competitive business loans from over 70 lenders. Loans between $5,000 and $1 million are available. Request a call – your loan can be funded in 1 business day.
OnDeck Business Loans
6 months to 2 years
3% of loan amount
Apply for up to $250,000 and receive your approved funds in one business day. Minimum annual turnover of $100,000 and 1 year of trading history required.
Octet Trade Finance
1 month to 2 years
Transaction fee 2.5%
Access a line of credit to pay suppliers in over 65 countries. Borrow from $200,000 up to $7 million.
Prospa Business Loan
3 months to 3 years
3% origination fee
Small business loans are available from $5,000 - $300,000 on terms of up to 3 years. At least six months trading history and a monthly turnover from $6,000 is necessary.
ANZ Secured Business Loan
Up to 15 years
Benefit from a low rate when you secure this loan with property and/or business assets. Loans from $10,000 available.
ANZ Unsecured Business Loan
Up to 15 years
Apply for a loan from $10,000 with no security required and benefit from flexible repayment terms.
Westpac Business Loan
1 to 30 years
$0 application fee
Purchase a new vehicle, equipment or support your cash flow with a business finance solution from Westpac.

Compare up to 4 providers

Frequently asked questions

What are the benefits of running a Kwik Kopy franchise?

Kwik Kopy is a registered franchise with the Franchise Council of Australia (FCA) and won the FCA Franchisee of the Year award in 2009. Kwik Kopy is considered to be a strong, easily recognisable brand that is trusted within the small to medium business sector.

As a business to business (B2B) franchise model, Kwik Kopy franchisees work Monday to Friday during normal business hours, with no pressure to extend their working hours to weekends.

In addition, Kwik Kopy is known for its innovation, and continues to introduce new products and services for its small to medium business target market.

Should I launch a new Kwik Kopy franchise or purchase an existing one?

Existing, well-established franchise businesses have the advantage of an established customer base and a proven record of financial success. From the point of view of obtaining finance for the purchase of an established Kwik Kopy franchise, the existing financial records will prove invaluable when convincing lenders that the purchase is a sound one.

However, the established customer base and proven financial success often comes at a price, with existing Kwik Kopy franchises typically costing much more than the cost of setting up a new franchise.

Do I need print experience to run a Kwik Kopy franchise?

No, all training is provided during the four-week extensive training period prior to opening a new franchise. This training gives new franchisees all the knowledge and experience they need to produce the full range of products and services offered by Kwik Kopy centres.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site