Franchise financing
Dairy Queen Operating Agreement franchise financing
What it costs to finance a Dairy Queen Operating Agreement 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
- 104
- Total funded
- $64.9M
- Median loan
- $514K
- 7(a) charge-off
- 0.0%
What financing a Dairy Queen Operating Agreement franchise costs
The median SBA loan to a Dairy Queen Operating Agreement franchisee is $514K, and the middle half of Dairy Queen Operating Agreement's 104 loans run $278K to $808K (average $624K). Across all SBA-financed franchises the median loan is $350K. Dairy Queen Operating Agreement 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 Operating Agreement loan runs 20 years. Model your numbers with the franchise financing calculator.
Of the 95 Dairy Queen Operating Agreement loans where the SBA recorded a business age, 33.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Dairy Queen Operating Agreement
Dairy Queen Operating Agreement franchisees have financed with 104 SBA loans since FY2010, averaging $624K each. Of those, 75 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 29 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 Operating Agreement's 7(a) charge-off rate is 0.0% across 75 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Dairy Queen Operating Agreement
By SBA loan count
- 1. SouthState Bank, National Association 3
- 2. Wells Fargo Bank National Association 4
- 3. Merchants Bank of Indiana 4
- 4. Midwest Business Finance Corporation 4
- 5. The Huntington National Bank 8
- 6. Stearns Bank National Association 1
- 7. The American National Bank of Texas 7
- 8. Regional Development Company 4
Where Dairy Queen Operating Agreement gets funded
Top states by loan count
- 1. Florida 6
- 2. Texas 10
- 3. Minnesota 9
- 4. Indiana 9
- 5. Michigan 7
- 6. Georgia 4
- 7. Pennsylvania 6
- 8. Wisconsin 8
Financing a Dairy Queen Operating Agreement?
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.
Dairy Queen Operating Agreement SBA financing FAQ
How much does a Dairy Queen Operating Agreement franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Dairy Queen Operating Agreement franchisee is $514K, and the middle half of Dairy Queen Operating Agreement's 104 loans run $278K to $808K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Dairy Queen Operating Agreement's franchise disclosure document.
Can you use an SBA loan for Dairy Queen Operating Agreement?
Yes. Lenders have funded 104 SBA loans to Dairy Queen Operating Agreement franchisees, worth $64.9M in all, so Dairy Queen Operating Agreement is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Dairy Queen Operating Agreement?
The data says yes: of Dairy Queen Operating Agreement's 95 SBA loans that record a business age, 33.7% 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 Dairy Queen Operating Agreement?
By loan count, the most active SBA lenders for Dairy Queen Operating Agreement are SouthState Bank, National Association, Wells Fargo Bank National Association, Merchants Bank of Indiana, among others. A lender already active with your brand often moves faster.
What is Dairy Queen Operating Agreement's SBA charge-off rate?
Across Dairy Queen Operating Agreement's 75 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 Dairy Queen Operating Agreement?
Both. Of Dairy Queen Operating Agreement's 104 SBA loans, 75 were 7(a) (franchise fee, build-out, equipment, working capital) and 29 were 504 (owner-occupied real estate). The median Dairy Queen Operating Agreement loan term is 20 years.