Franchise financing
Culver's ButterBurgers & Frozen Custard franchise financing
What it costs to finance a Culver's ButterBurgers & Frozen Custard 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
- 377
- Total funded
- $550.0M
- Median loan
- $1.3M
- 7(a) charge-off
- 0.0%
What financing a Culver's ButterBurgers & Frozen Custard franchise costs
The median SBA loan to a Culver's ButterBurgers & Frozen Custard franchisee is $1.3M, and the middle half of Culver's ButterBurgers & Frozen Custard's 377 loans run $567K to $1.8M (average $1.5M). Across all SBA-financed franchises the median loan is $350K. Culver's ButterBurgers & Frozen Custard 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 Culver's ButterBurgers & Frozen Custard loan runs 25 years. Model your numbers with the franchise financing calculator.
Of the 354 Culver's ButterBurgers & Frozen Custard loans where the SBA recorded a business age, 52.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Culver's ButterBurgers & Frozen Custard
Culver's ButterBurgers & Frozen Custard franchisees have financed with 377 SBA loans since FY2010, averaging $1.5M each. Of those, 166 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 211 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Culver's ButterBurgers & Frozen Custard's 7(a) charge-off rate is 0.0% across 166 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Culver's ButterBurgers & Frozen Custard
By SBA loan count
- 1. Bank Five Nine 62
- 2. Wells Fargo Bank National Association 19
- 3. Florida First Capital Finance Corporation, Inc. 21
- 4. Michigan Certified Development Corporation 20
- 5. PNC Bank, National Association 6
- 6. Florida Business Development Corporation 12
- 7. WBD, Inc. 17
- 8. Small Business Growth Corporation 15
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Where Culver's ButterBurgers & Frozen Custard gets funded
Top states by loan count
- 1. Florida 76
- 2. Illinois 43
- 3. Michigan 33
- 4. North Carolina 22
- 5. Wisconsin 28
- 6. Georgia 23
- 7. Colorado 15
- 8. Texas 10
Financing a Culver's ButterBurgers & Frozen Custard?
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.
Culver's ButterBurgers & Frozen Custard SBA financing FAQ
How much does a Culver's ButterBurgers & Frozen Custard franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Culver's ButterBurgers & Frozen Custard franchisee is $1.3M, and the middle half of Culver's ButterBurgers & Frozen Custard's 377 loans run $567K to $1.8M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Culver's ButterBurgers & Frozen Custard's franchise disclosure document.
Can you use an SBA loan for Culver's ButterBurgers & Frozen Custard?
Yes. Lenders have funded 377 SBA loans to Culver's ButterBurgers & Frozen Custard franchisees, worth $550.0M in all, so Culver's ButterBurgers & Frozen Custard is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Culver's ButterBurgers & Frozen Custard?
The data says yes: of Culver's ButterBurgers & Frozen Custard's 354 SBA loans that record a business age, 52.8% 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 Culver's ButterBurgers & Frozen Custard?
By loan count, the most active SBA lenders for Culver's ButterBurgers & Frozen Custard are Bank Five Nine, Wells Fargo Bank National Association, Florida First Capital Finance Corporation, Inc., among others. A lender already active with your brand often moves faster.
What is Culver's ButterBurgers & Frozen Custard's SBA charge-off rate?
Across Culver's ButterBurgers & Frozen Custard's 166 SBA 7(a) loans, 0.0% 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 Culver's ButterBurgers & Frozen Custard?
Both. Of Culver's ButterBurgers & Frozen Custard's 377 SBA loans, 166 were 7(a) (franchise fee, build-out, equipment, working capital) and 211 were 504 (owner-occupied real estate). The median Culver's ButterBurgers & Frozen Custard loan term is 25 years.