Franchise financing
Baskin-Robbins franchise financing
What it costs to finance a Baskin-Robbins franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 151
- Total funded
- $37.0M
- Median loan
- $200K
- 7(a) charge-off
- 3.4%
What financing a Baskin-Robbins franchise costs
The median SBA loan to a Baskin-Robbins franchisee is $200K, and the middle half of Baskin-Robbins's 151 loans run $130K to $315K (average $245K). Across all SBA-financed franchises the median loan is $350K. Baskin-Robbins buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Baskin-Robbins loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 145 Baskin-Robbins loans where the SBA recorded a business age, 45.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Baskin-Robbins
Baskin-Robbins franchisees have financed with 151 SBA loans since FY2010, averaging $245K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (146 of the 151 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Baskin-Robbins's 7(a) charge-off rate is 3.4% across 146 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Baskin-Robbins
By SBA loan count
Where Baskin-Robbins gets funded
Top states by loan count
- 1. California 58
- 2. Texas 20
- 3. Arizona 6
- 4. Nevada 6
- 5. Washington 11
- 6. Virginia 3
- 7. Mississippi 4
- 8. Louisiana 5
Financing a Baskin-Robbins?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Baskin-Robbins SBA financing FAQ
How much does a Baskin-Robbins franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Baskin-Robbins franchisee is $200K, and the middle half of Baskin-Robbins's 151 loans run $130K to $315K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Baskin-Robbins's franchise disclosure document.
Can you use an SBA loan for Baskin-Robbins?
Yes. Lenders have funded 151 SBA loans to Baskin-Robbins franchisees, worth $37.0M in all, so Baskin-Robbins is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Baskin-Robbins?
The data says yes: of Baskin-Robbins's 145 SBA loans that record a business age, 45.5% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Baskin-Robbins?
By loan count, the most active SBA lenders for Baskin-Robbins are Enterprise Bank & Trust, U.S. Bank, National Association, First Bank of the Lake, among others. A lender already active with your brand often moves faster.
What is Baskin-Robbins's SBA charge-off rate?
Across Baskin-Robbins's 146 SBA 7(a) loans, 3.4% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Baskin-Robbins?
Mostly 7(a): 146 of Baskin-Robbins's 151 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Baskin-Robbins loan term is 10 years.