Franchise financing
BURGER KING franchise financing
What it costs to finance a BURGER KING 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
- 179
- Total funded
- $169.8M
- Median loan
- $547K
- 7(a) charge-off
- 1.5%
What financing a BURGER KING franchise costs
The median SBA loan to a BURGER KING franchisee is $547K, and the middle half of BURGER KING's 179 loans run $305K to $1.3M (average $948K). Across all SBA-financed franchises the median loan is $350K. BURGER KING buyers borrow more 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 BURGER KING loan runs 15 years. Model your numbers with the franchise financing calculator.
Of the 167 BURGER KING loans where the SBA recorded a business age, 15.6% went to new businesses two years old or younger. The rest funded existing operations.
How to finance BURGER KING
BURGER KING franchisees have financed with 179 SBA loans since FY2010, averaging $948K each. Of those, 134 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 45 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
BURGER KING's 7(a) charge-off rate is 1.5% across 134 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance BURGER KING
By SBA loan count
Where BURGER KING gets funded
Top states by loan count
- 1. New Jersey 43
- 2. Texas 13
- 3. California 10
- 4. Michigan 12
- 5. New York 20
- 6. Florida 14
- 7. South Carolina 2
- 8. Pennsylvania 8
Financing a BURGER KING?
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.
BURGER KING SBA financing FAQ
How much does a BURGER KING franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a BURGER KING franchisee is $547K, and the middle half of BURGER KING's 179 loans run $305K to $1.3M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of BURGER KING's franchise disclosure document.
Can you use an SBA loan for BURGER KING?
Yes. Lenders have funded 179 SBA loans to BURGER KING franchisees, worth $169.8M in all, so BURGER KING is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for BURGER KING?
The data says yes: of BURGER KING's 167 SBA loans that record a business age, 15.6% 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 BURGER KING?
By loan count, the most active SBA lenders for BURGER KING are The Bank of Princeton, Live Oak Banking Company, Banc of California, among others. A lender already active with your brand often moves faster.
What is BURGER KING's SBA charge-off rate?
Across BURGER KING's 134 SBA 7(a) loans, 1.5% 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 BURGER KING?
Both. Of BURGER KING's 179 SBA loans, 134 were 7(a) (franchise fee, build-out, equipment, working capital) and 45 were 504 (owner-occupied real estate). The median BURGER KING loan term is 15 years.