Franchise financing
DOMINO'S PIZZA franchise financing
What it costs to finance a DOMINO'S PIZZA 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
- 228
- Total funded
- $84.9M
- Median loan
- $251K
- 7(a) charge-off
- 1.0%
What financing a DOMINO'S PIZZA franchise costs
The median SBA loan to a DOMINO'S PIZZA franchisee is $251K, and the middle half of DOMINO'S PIZZA's 228 loans run $125K to $426K (average $372K). Across all SBA-financed franchises the median loan is $350K. DOMINO'S PIZZA buyers borrow less 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 DOMINO'S PIZZA loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 219 DOMINO'S PIZZA loans where the SBA recorded a business age, 18.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance DOMINO'S PIZZA
DOMINO'S PIZZA franchisees have financed with 228 SBA loans since FY2010, averaging $372K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (207 of the 228 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
DOMINO'S PIZZA's 7(a) charge-off rate is 1.0% across 207 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance DOMINO'S PIZZA
By SBA loan count
Where DOMINO'S PIZZA gets funded
Top states by loan count
- 1. California 18
- 2. Texas 16
- 3. Oregon 11
- 4. Missouri 14
- 5. Florida 13
- 6. Massachusetts 16
- 7. Georgia 4
- 8. Ohio 12
Financing a DOMINO'S PIZZA?
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DOMINO'S PIZZA SBA financing FAQ
How much does a DOMINO'S PIZZA franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a DOMINO'S PIZZA franchisee is $251K, and the middle half of DOMINO'S PIZZA's 228 loans run $125K to $426K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of DOMINO'S PIZZA's franchise disclosure document.
Can you use an SBA loan for DOMINO'S PIZZA?
Yes. Lenders have funded 228 SBA loans to DOMINO'S PIZZA franchisees, worth $84.9M in all, so DOMINO'S PIZZA is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for DOMINO'S PIZZA?
The data says yes: of DOMINO'S PIZZA's 219 SBA loans that record a business age, 18.7% 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 DOMINO'S PIZZA?
By loan count, the most active SBA lenders for DOMINO'S PIZZA are Banc of California, Stearns Bank National Association, American Riviera Bank, among others. A lender already active with your brand often moves faster.
What is DOMINO'S PIZZA's SBA charge-off rate?
Across DOMINO'S PIZZA's 207 SBA 7(a) loans, 1.0% 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 DOMINO'S PIZZA?
Mostly 7(a): 207 of DOMINO'S PIZZA's 228 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median DOMINO'S PIZZA loan term is 10 years.