Franchise financing
Duck Donuts franchise financing
What it costs to finance a Duck Donuts 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
- 105
- Total funded
- $41.3M
- Median loan
- $384K
- 7(a) charge-off
- 7.6%
What financing a Duck Donuts franchise costs
The median SBA loan to a Duck Donuts franchisee is $384K, and the middle half of Duck Donuts's 105 loans run $285K to $524K (average $393K). Across all SBA-financed franchises the median loan is $350K. Duck Donuts 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 Duck Donuts loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 98 Duck Donuts loans where the SBA recorded a business age, 85.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Duck Donuts
Duck Donuts franchisees have financed with 105 SBA loans since FY2010, averaging $393K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (105 of the 105 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Duck Donuts's 7(a) charge-off rate is 7.6% across 105 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Duck Donuts
By SBA loan count
Where Duck Donuts gets funded
Top states by loan count
- 1. Virginia 17
- 2. Pennsylvania 11
- 3. South Carolina 9
- 4. Florida 6
- 5. New Jersey 8
- 6. New York 4
- 7. Texas 8
- 8. Georgia 5
Financing a Duck Donuts?
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.
Duck Donuts SBA financing FAQ
How much does a Duck Donuts franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Duck Donuts franchisee is $384K, and the middle half of Duck Donuts's 105 loans run $285K to $524K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Duck Donuts's franchise disclosure document.
Can you use an SBA loan for Duck Donuts?
Yes. Lenders have funded 105 SBA loans to Duck Donuts franchisees, worth $41.3M in all, so Duck Donuts is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Duck Donuts?
The data says yes: of Duck Donuts's 98 SBA loans that record a business age, 85.7% 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 Duck Donuts?
By loan count, the most active SBA lenders for Duck Donuts are The Huntington National Bank, First Commonwealth Bank, ConnectOne Bank, among others. A lender already active with your brand often moves faster.
What is Duck Donuts's SBA charge-off rate?
Across Duck Donuts's 105 SBA 7(a) loans, 7.6% 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 Duck Donuts?
Mostly 7(a): 105 of Duck Donuts's 105 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Duck Donuts loan term is 10 years.