DQ Treat, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0481)
17 deals since 2020 · typical deal $700K
17
Deals since 2020
$700K
Typical deal
7
Deals since FY2025
—
Too few deals to score risk
What buyers pay for DQ Treat
Most DQ Treat deals financed between $392K and $836K. Above $836K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $9,154
- Down payment (10%)
- $78K
- Cash to close (all-in)
- $104K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$104K)
Experience
Recent financings
- Happy Treats, Inc. in Rockingham, NC — $670K (2026) · PNC Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.47% fixed
- Term
- 256 months
- SBA guaranteed
- $503K (75%)
- Approval → funding
- 53 days
- Approved
- 12/8/2025
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by PNC Bank, National Association · Lender record →
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- South Elgin Soft Serve Inc. in South Elgin, IL — $575K (2026) · Village Bank and Trust, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $431K (75%)
- Approval → funding
- 13 days
- Approved
- 11/25/2025
- First disbursed
- 12/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Village Bank and Trust, National Association · Lender record →
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- Glen Ellyn Soft Serve Inc. in Glen Ellyn, IL — $392K (2026) · Village Bank and Trust, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $196K (50%)
- Approval → funding
- 13 days
- Approved
- 11/25/2025
- First disbursed
- 12/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Village Bank and Trust, National Association · Lender record →
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- Happy Treats, Inc. in Rockingham, NC — $25K (2026) · PNC Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.4% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 12/8/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by PNC Bank, National Association · Lender record →
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- Dairy Queen 44652 in Ravenna, OH — $891K (2025) · Hometown Bank
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $669K (75%)
- Approval → funding
- 31 days
- Approved
- 10/15/2024
- First disbursed
- 11/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Hometown Bank · Lender record →
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- Waterford Dairy Queen #10254 in Waterford Township, MI — $740K (2025) · purchase · United FCU
- Program
- 7a General
- Rate at approval
- 10% variable
- Term
- 156 mo (13 yrs)
- SBA guaranteed
- $555K (75%)
- Approval → funding
- 8 days
- Approved
- 1/21/2025
- First disbursed
- 1/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $822K
- Est. down payment (10%)
- $82K
- Est. cash at closing
- $113K
- Monthly payment
- $8,494
- Annual debt service
- $102K
- Cash flow needed (1.25×)
- $127K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by United FCU · Lender record →
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- DHSBrooklynPark LLC in Minneapolis, MN — $715K (2025) · purchase · BankCherokee
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $536K (75%)
- Approval → funding
- 41 days
- Approved
- 5/28/2025
- First disbursed
- 7/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $794K
- Est. down payment (10%)
- $79K
- Est. cash at closing
- $109K
- Monthly payment
- $8,862
- Annual debt service
- $106K
- Cash flow needed (1.25×)
- $133K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BankCherokee · Lender record →
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- Transit Treats Inc. in Williamsville, NY — $500K (2023) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.2% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 28 days
- Approved
- 1/10/2023
- First disbursed
- 2/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
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- 716 Dilly, inc. in Cheektowaga, NY — $1.6M (2022) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.15% fixed
- Term
- 170 months
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 14 days
- Approved
- 12/17/2021
- First disbursed
- 12/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Wells Fargo Bank National Association · Lender record →
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- TOAD FOUR, LLC in Berkley, MI — $1.1M (2022) · Fifth Third Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 3.95% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $843K (75%)
- Approval → funding
- 3 days
- Approved
- 1/4/2022
- First disbursed
- 1/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Fifth Third Bank · Lender record →
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Who funds DQ Treat — and where
Every dot is a financed DQ Treat — 17 mapped.
Financed DQ Treat locations — list all 17 as text
- Transit Treats Inc. — Williamsville · $500K · FY2023 · Limited-Service Restaurants
- Glen Ellyn Soft Serve Inc. — Glen Ellyn · $392K · FY2026 · Full-Service Restaurants
- South Elgin Soft Serve Inc. — South Elgin · $575K · FY2026 · Full-Service Restaurants
- Happy Treats, Inc. — Rockingham · $670K · FY2026 · Limited-Service Restaurants
- Happy Treats, Inc. — Rockingham · $25K · FY2026 · Limited-Service Restaurants
- DHSBrooklynPark LLC — Minneapolis · $715K · FY2025 · Limited-Service Restaurants
- EVERGREEN EDU LLC — Clinton · $1.4M · FY2020 · Limited-Service Restaurants
- IQRA MALIK INCORPORATED — Ganado · $700K · FY2022 · Limited-Service Restaurants
- Love Bria Inc. — Hamilton · $50K · FY2022 · Limited-Service Restaurants
- Love Bria Inc. — Hamilton · $836K · FY2022 · Limited-Service Restaurants
- Love Bria Inc. — Hamilton · $836K · FY2022 · Limited-Service Restaurants
- Dairy Queen 44652 — Ravenna · $891K · FY2025 · Snack and Nonalcoholic Beverage Bars
- Waterford Dairy Queen #10254 — Waterford Township · $740K · FY2025 · Limited-Service Restaurants
- 716 Dilly, inc. — Cheektowaga · $1.6M · FY2022 · Limited-Service Restaurants
- TOAD FOUR, LLC — Berkley · $1.1M · FY2022 · Limited-Service Restaurants
- JHJames Real Estate Enterprises LLC — West Mifflin · $350K · FY2022 · Full-Service Restaurants
- JHDQ West Mifflin LLC — West Mifflin · $25K · FY2022 · Full-Service Restaurants
Top lenders for this brand
Most active states
- 1.Illinois (5 loans)
- 2.New York (2 loans)
- 3.North Carolina (2 loans)
- 4.Michigan (2 loans)
- 5.Pennsylvania (2 loans)
- 6.Minnesota (1 loans)
- 7.Washington (1 loans)
- 8.Texas (1 loans)
Represent DQ Treat?
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Common questions
How much does a DQ Treat cost to buy or open?
The typical deal for DQ Treat is $700K across 17 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $77K of buyer cash on a typical deal.
How risky is DQ Treat?
DQ Treat has 17 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a DQ Treat with an SBA loan?
Yes — DQ Treat has been SBA-financed 7 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a DQ Treat franchise
Most DQ Treat buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical DQ Treat deal financed for $700K, which points to about $77K of buyer cash on a typical purchase. DQ Treat is listed in the SBA Franchise Directory (identifier S0481), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund DQ Treat — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for DQ Treat — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for DQ Treat — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. DQ Treat is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 17 SBA 7(a) deals since 2020
- $700K typical deal
- 7 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0481)
- Top lenders: The Huntington National Bank, Village Bank and Trust, National Association, PNC Bank, National Association
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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Represent DQ Treat?
Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.
CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with DQ Treat.