Franchise financing

DAIRY QUEEN GRILL & CHILL/TEXAS DQ franchise financing

What it costs to finance a DAIRY QUEEN GRILL & CHILL/TEXAS DQ 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: 206
Total funded: $141.2M
Median loan: $529K
7(a) charge-off: 0.7%

What financing a DAIRY QUEEN GRILL & CHILL/TEXAS DQ franchise costs

The median SBA loan to a DAIRY QUEEN GRILL & CHILL/TEXAS DQ franchisee is $529K, and the middle half of DAIRY QUEEN GRILL & CHILL/TEXAS DQ's 206 loans run $250K to $874K (average $685K). Across all SBA-financed franchises the median loan is $350K. DAIRY QUEEN GRILL & CHILL/TEXAS DQ 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 DAIRY QUEEN GRILL & CHILL/TEXAS DQ loan runs 20 years. Model your numbers with the franchise financing calculator.

Of the 173 DAIRY QUEEN GRILL & CHILL/TEXAS DQ loans where the SBA recorded a business age, 34.1% went to new businesses two years old or younger. The rest funded existing operations.

How to finance DAIRY QUEEN GRILL & CHILL/TEXAS DQ

DAIRY QUEEN GRILL & CHILL/TEXAS DQ franchisees have financed with 206 SBA loans since FY2010, averaging $685K each. Of those, 147 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 59 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.

DAIRY QUEEN GRILL & CHILL/TEXAS DQ's 7(a) charge-off rate is 0.7% across 147 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.

DAIRY QUEEN GRILL & CHILL/TEXAS DQ SBA funded volume by fiscal year

Lenders that finance DAIRY QUEEN GRILL & CHILL/TEXAS DQ

By SBA loan count

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Where DAIRY QUEEN GRILL & CHILL/TEXAS DQ gets funded

Top states by loan count

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DAIRY QUEEN GRILL & CHILL/TEXAS DQ SBA financing FAQ

How much does a DAIRY QUEEN GRILL & CHILL/TEXAS DQ franchise cost?

The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a DAIRY QUEEN GRILL & CHILL/TEXAS DQ franchisee is $529K, and the middle half of DAIRY QUEEN GRILL & CHILL/TEXAS DQ's 206 loans run $250K to $874K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of DAIRY QUEEN GRILL & CHILL/TEXAS DQ's franchise disclosure document.

Can you use an SBA loan for DAIRY QUEEN GRILL & CHILL/TEXAS DQ?

Yes. Lenders have funded 206 SBA loans to DAIRY QUEEN GRILL & CHILL/TEXAS DQ franchisees, worth $141.2M in all, so DAIRY QUEEN GRILL & CHILL/TEXAS DQ is regularly financed with SBA 7(a) and 504 loans.

Can a first-time owner get an SBA loan for DAIRY QUEEN GRILL & CHILL/TEXAS DQ?

The data says yes: of DAIRY QUEEN GRILL & CHILL/TEXAS DQ's 173 SBA loans that record a business age, 34.1% 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 DAIRY QUEEN GRILL & CHILL/TEXAS DQ?

By loan count, the most active SBA lenders for DAIRY QUEEN GRILL & CHILL/TEXAS DQ are Wells Fargo Bank National Association, Stearns Bank National Association, The Huntington National Bank, among others. A lender already active with your brand often moves faster.

What is DAIRY QUEEN GRILL & CHILL/TEXAS DQ's SBA charge-off rate?

Across DAIRY QUEEN GRILL & CHILL/TEXAS DQ's 147 SBA 7(a) loans, 0.7% 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 DAIRY QUEEN GRILL & CHILL/TEXAS DQ?

Both. Of DAIRY QUEEN GRILL & CHILL/TEXAS DQ's 206 SBA loans, 147 were 7(a) (franchise fee, build-out, equipment, working capital) and 59 were 504 (owner-occupied real estate). The median DAIRY QUEEN GRILL & CHILL/TEXAS DQ loan term is 20 years.

Method. Figures cover SBA 7(a) and 504 loans tagged to the DAIRY QUEEN GRILL & CHILL/TEXAS DQ franchise in the public SBA data, FY2010–2026 (as of 2026-03-31). Charge-off is 7(a)-only. Medians and the middle-half range are computed from per-loan approval amounts; loan terms and business age are used only where the SBA recorded them. The SBA tags loans by the franchise name it recorded; spelling variants the SBA used separately are not merged. SBA Loan Index is independent and not affiliated with DAIRY QUEEN GRILL & CHILL/TEXAS DQ or the SBA; this is information, not financial advice. See the methodology.

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