Franchise financing
Domino's franchise financing
What it costs to finance a Domino's 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
- 315
- Total funded
- $229.6M
- Median loan
- $525K
- 7(a) charge-off
- 1.0%
What financing a Domino's franchise costs
The median SBA loan to a Domino's franchisee is $525K, and the middle half of Domino's's 315 loans run $311K to $761K (average $729K). Across all SBA-financed franchises the median loan is $350K. Domino's 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 Domino's loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 310 Domino's loans where the SBA recorded a business age, 29.3% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Domino's
Domino's franchisees have financed with 315 SBA loans since FY2010, averaging $729K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (294 of the 315 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Domino's's 7(a) charge-off rate is 1.0% across 294 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Domino's
By SBA loan count
Where Domino's gets funded
Top states by loan count
- 1. Texas 15
- 2. Indiana 16
- 3. North Carolina 9
- 4. Massachusetts 12
- 5. Alabama 16
- 6. New Jersey 14
- 7. Florida 16
- 8. Ohio 25
Financing a Domino's?
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.
Domino's SBA financing FAQ
How much does a Domino's franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Domino's franchisee is $525K, and the middle half of Domino's's 315 loans run $311K to $761K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Domino's's franchise disclosure document.
Can you use an SBA loan for Domino's?
Yes. Lenders have funded 315 SBA loans to Domino's franchisees, worth $229.6M in all, so Domino's is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Domino's?
The data says yes: of Domino's's 310 SBA loans that record a business age, 29.3% 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?
By loan count, the most active SBA lenders for Domino's are Banc of California, Live Oak Banking Company, United Community Bank, among others. A lender already active with your brand often moves faster.
What is Domino's's SBA charge-off rate?
Across Domino's's 294 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?
Mostly 7(a): 294 of Domino's's 315 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Domino's loan term is 10 years.