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
- 260
- Total funded
- $211.0M
- Median loan
- $648K
- 7(a) charge-off
- 1.1%
What financing a Dunkin' Donuts franchise costs
The median SBA loan to a Dunkin' Donuts franchisee is $648K, and the middle half of Dunkin' Donuts's 260 loans run $399K to $1.0M (average $811K). 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 about 11 years (126 months). Model your numbers with the franchise financing calculator.
Of the 230 Dunkin' Donuts loans where the SBA recorded a business age, 47.0% 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 260 SBA loans since FY2010, averaging $811K each. Of those, 186 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 74 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 1.1% across 186 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 44
- 2. Florida 26
- 3. Pennsylvania 22
- 4. Illinois 19
- 5. New York 18
- 6. California 13
- 7. Minnesota 14
- 8. Ohio 19
Financing a Dunkin' Donuts?
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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 $648K, and the middle half of Dunkin' Donuts's 260 loans run $399K to $1.0M. 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 260 SBA loans to Dunkin' Donuts franchisees, worth $211.0M 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 230 SBA loans that record a business age, 47.0% 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 Byline Bank, Provident Bank, BayFirst National Bank, 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 186 SBA 7(a) loans, 1.1% 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 260 SBA loans, 186 were 7(a) (franchise fee, build-out, equipment, working capital) and 74 were 504 (owner-occupied real estate). The median Dunkin' Donuts loan term is about 11 years (126 months).