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Guide

Franchise premises and the lease explained

For a storefront franchise, the lease can be a bigger commitment than the franchise itself. Here is what to understand before you sign either.

EH

Eliza Harding

Senior Content Analyst · B.Bus (Accounting), 9 years in franchise research

Legally reviewed by James Whitmore. Last updated 4 September 2026 · 7 min read.

How does the lease work in a franchise?

In most storefront franchises you either take the lease directly or occupy under the franchisor's head lease. Either way the lease is frequently your single largest and longest liability, often running years and commonly requiring a personal guarantee. It should align with your franchise term, a lease that outlasts your franchise, or ends before it, creates a serious mismatch. Read the lease with the same care as the franchise agreement, because it can cost you more.

Who holds the lease

  • Direct lease, you sign with the landlord, most control, most direct liability.
  • Occupancy under the franchisor's head lease, the franchisor holds it and you occupy, which affects your security and your exit.
  • Either way, check for a personal guarantee, that is what turns a business liability into a personal one.

Align the lease with the franchise term

A common trap is a lease term that does not match the franchise term. If the lease runs longer than your franchise rights, you can be left liable for premises you can no longer trade from; if it is shorter, you may lose the site mid-term. Aim to align them, including renewal options, so your right to occupy and your right to trade end together.

Have the lease reviewed by a lawyer alongside the franchise agreement, and understand every personal guarantee. On failure, the lease is often the largest debt a franchisee is left holding.

Budget the premises properly

Premises costs, rent, outgoings, fit-out and a bond, are usually the biggest part of a storefront franchise's all-in cost. Factor them, and their annual increases, into your model, and confirm what the franchisor requires for the fit-out. Retail-lease laws in each state add protections and disclosure requirements worth understanding before you commit.

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Frequently asked questions

Who signs the lease for a franchise?

It depends on the system. In some you sign the lease directly with the landlord; in others you occupy under the franchisor's head lease. Either way, check whether a personal guarantee is required, as that makes you personally liable.

Should the franchise lease match the franchise term?

Yes, ideally they align, including renewal options. A lease that outlasts your franchise can leave you liable for premises you cannot trade from; one that ends early can cost you the site mid-term. Aim to have your right to occupy and right to trade end together.

Why is the lease important when buying a franchise?

For a storefront franchise the lease is often the largest and longest liability, frequently personally guaranteed, and premises costs are usually the biggest part of the all-in cost. On failure it is commonly the biggest debt left. Have it reviewed by a lawyer.

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