Franchise financing
DUNKIN DONUTS franchise financing
What it costs to finance a DUNKIN 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
- 208
- Total funded
- $119.6M
- Median loan
- $450K
- 7(a) charge-off
- 1.2%
What financing a DUNKIN DONUTS franchise costs
The median SBA loan to a DUNKIN DONUTS franchisee is $450K, and the middle half of DUNKIN DONUTS's 208 loans run $308K to $685K (average $575K). Across all SBA-financed franchises the median loan is $350K. DUNKIN 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 DUNKIN DONUTS loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 185 DUNKIN DONUTS loans where the SBA recorded a business age, 35.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance DUNKIN DONUTS
DUNKIN DONUTS franchisees have financed with 208 SBA loans since FY2010, averaging $575K each. Of those, 167 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 41 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
DUNKIN DONUTS's 7(a) charge-off rate is 1.2% across 167 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance DUNKIN DONUTS
By SBA loan count
Where DUNKIN DONUTS gets funded
Top states by loan count
- 1. New Jersey 33
- 2. New York 21
- 3. Florida 32
- 4. North Carolina 10
- 5. Maryland 17
- 6. Pennsylvania 17
- 7. Illinois 10
- 8. Ohio 7
Financing a DUNKIN 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.
DUNKIN DONUTS SBA financing FAQ
How much does a DUNKIN DONUTS franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a DUNKIN DONUTS franchisee is $450K, and the middle half of DUNKIN DONUTS's 208 loans run $308K to $685K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of DUNKIN DONUTS's franchise disclosure document.
Can you use an SBA loan for DUNKIN DONUTS?
Yes. Lenders have funded 208 SBA loans to DUNKIN DONUTS franchisees, worth $119.6M in all, so DUNKIN DONUTS is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for DUNKIN DONUTS?
The data says yes: of DUNKIN DONUTS's 185 SBA loans that record a business age, 35.1% 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 DUNKIN DONUTS?
By loan count, the most active SBA lenders for DUNKIN DONUTS are Wilmington Savings Fund Society FSB, PNC Bank, National Association, Manufacturers and Traders Trust Company, among others. A lender already active with your brand often moves faster.
What is DUNKIN DONUTS's SBA charge-off rate?
Across DUNKIN DONUTS's 167 SBA 7(a) loans, 1.2% 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 DUNKIN DONUTS?
Both. Of DUNKIN DONUTS's 208 SBA loans, 167 were 7(a) (franchise fee, build-out, equipment, working capital) and 41 were 504 (owner-occupied real estate). The median DUNKIN DONUTS loan term is 10 years.