Franchise financing
D-BAT franchise financing
What it costs to finance a D-BAT 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
- 135
- Total funded
- $105.6M
- Median loan
- $629K
- 7(a) charge-off
- 3.1%
What financing a D-BAT franchise costs
The median SBA loan to a D-BAT franchisee is $629K, and the middle half of D-BAT's 135 loans run $502K to $918K (average $782K). Across all SBA-financed franchises the median loan is $350K. D-BAT 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 D-BAT loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 133 D-BAT loans where the SBA recorded a business age, 91.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance D-BAT
D-BAT franchisees have financed with 135 SBA loans since FY2010, averaging $782K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (128 of the 135 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
D-BAT's 7(a) charge-off rate is 3.1% across 128 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance D-BAT
By SBA loan count
Where D-BAT gets funded
Top states by loan count
- 1. Texas 32
- 2. Alabama 5
- 3. Oklahoma 4
- 4. Florida 7
- 5. California 5
- 6. Illinois 9
- 7. Washington 4
- 8. Colorado 4
Financing a D-BAT?
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.
D-BAT SBA financing FAQ
How much does a D-BAT franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a D-BAT franchisee is $629K, and the middle half of D-BAT's 135 loans run $502K to $918K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of D-BAT's franchise disclosure document.
Can you use an SBA loan for D-BAT?
Yes. Lenders have funded 135 SBA loans to D-BAT franchisees, worth $105.6M in all, so D-BAT is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for D-BAT?
The data says yes: of D-BAT's 133 SBA loans that record a business age, 91.7% 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 D-BAT?
By loan count, the most active SBA lenders for D-BAT are Wells Fargo Bank National Association, KeyBank National Association, BancFirst, among others. A lender already active with your brand often moves faster.
What is D-BAT's SBA charge-off rate?
Across D-BAT's 128 SBA 7(a) loans, 3.1% 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 D-BAT?
Mostly 7(a): 128 of D-BAT's 135 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median D-BAT loan term is 10 years.