Dutch Bros., 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 S0531)
19 deals since 2020 · typical deal $611K
19
Deals since 2020
$611K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Dutch Bros.
Most Dutch Bros. deals financed between $242K and $1.35M. Above $1.35M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $7,990
- Down payment (10%)
- $68K
- Cash to close (all-in)
- $91K
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 ~$91K)
Experience
Recent financings
- Andrew Head, LLC in Minden, NV — $320K (2026) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 6 days
- Approved
- 2/18/2026
- First disbursed
- 2/24/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Zions Bank, A Division of · Lender record →
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- Sunnyside DB, LLC in Benton City, WA — $1.3M (2025) · Heritage Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 19 days
- Approved
- 3/21/2025
- First disbursed
- 4/9/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Heritage Bank · Lender record →
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- J.L. Chudek, LLC in Vancouver, WA — $242K (2024) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $181K (75%)
- Approval → funding
- 50 days
- Approved
- 4/22/2024
- First disbursed
- 6/11/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by KeyBank National Association · Lender record →
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- DutchLove LLC in Dalton Gardens, ID — $350K (2023) · Idaho Trust Bank
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 126 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 24 days
- Approved
- 12/19/2022
- First disbursed
- 1/12/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 75
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Idaho Trust Bank · Lender record →
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- Barnes DB Enterprises, LLC in Hermiston, OR — $2.2M (2022) · purchase · Columbia Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.7M (75%)
- Approval → funding
- 14 days
- Approved
- 9/1/2022
- First disbursed
- 9/15/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 56
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $2.5M
- Est. down payment (10%)
- $248K
- Est. cash at closing
- $342K
- Monthly payment
- $26,506
- Annual debt service
- $318K
- Cash flow needed (1.25×)
- $398K
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 Columbia Bank · Lender record →
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- ENRICHED, LLC in Scottsdale, AZ — $5.0M (2021) · Meadows Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% variable
- Term
- 315 months
- SBA guaranteed
- $3.5M (70%)
- Approval → funding
- 15 days
- Approved
- 3/16/2021
- First disbursed
- 3/31/2021
- Loan status
- Paid in full (12/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Meadows Bank · Lender record →
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- LIQUID LUV CO. in Roseville, CA — $2.5M (2021) · Plumas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 306 months
- SBA guaranteed
- $2.3M (90%)
- Approval → funding
- 0 days
- Approved
- 8/31/2021
- First disbursed
- 8/31/2021
- Loan status
- Paid in full (12/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Stores
Funded by Plumas Bank · Lender record →
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- G4 INVESTMENTS CORP. in Antelope, CA — $1.2M (2021) · Plumas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $891K (75%)
- Approval → funding
- 48 days
- Approved
- 12/10/2020
- First disbursed
- 1/27/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Plumas Bank · Lender record →
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- Churn Creek Investments, Inc. in Redding, CA — $915K (2021) · Plumas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.2% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $824K (90%)
- Approval → funding
- 0 days
- Approved
- 7/16/2021
- First disbursed
- 7/16/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Plumas Bank · Lender record →
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- Churn Creek Investments, Inc. in Redding, CA — $488K (2021) · Plumas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.2% variable
- Term
- 25 months
- SBA guaranteed
- $439K (90%)
- Approved
- 6/2/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Plumas Bank · Lender record →
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Who funds Dutch Bros. — and where
Every dot is a financed Dutch Bros. — 19 mapped.
Financed Dutch Bros. locations — list all 19 as text
- G4 INVESTMENTS CORP. — Antelope · $1.2M · FY2021 · Snack and Nonalcoholic Beverage Bars
- ENRICHED, LLC — Scottsdale · $5.0M · FY2021 · Automotive Body, Paint, and Interior Repair and Maintenance
- Churn Creek Investments, Inc. — Redding · $488K · FY2021 · Snack and Nonalcoholic Beverage Bars
- DutchLove LLC — Dalton Gardens · $350K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Andrew Head, LLC — Minden · $320K · FY2026 · Snack and Nonalcoholic Beverage Bars
- Sunnyside DB, LLC — Benton City · $1.3M · FY2025 · Limited-Service Restaurants
- Liquid Luv Co. — Grass Valley · $1.1M · FY2020 · Full-Service Restaurants
- Nunnemaker DB, LLC — Seaside · $83K · FY2020 · Snack and Nonalcoholic Beverage Bars
- DB NOCO, LLC — Loveland · $185K · FY2020 · Limited-Service Restaurants
- DB NOCO, LLC — Loveland · $185K · FY2020 · Limited-Service Restaurants
- DB NOCO, LLC — Loveland · $166K · FY2020 · Limited-Service Restaurants
- Randalls, Inc. — Meridian · $1.8M · FY2020 · Snack and Nonalcoholic Beverage Bars
- G4 INVESTMENTS CORP. — Rio Linda · $1.2M · FY2020 · Snack and Nonalcoholic Beverage Bars
- Barnes DB Enterprises, LLC — Hermiston · $2.2M · FY2022 · Snack and Nonalcoholic Beverage Bars
- J.L. Chudek, LLC — Vancouver · $242K · FY2024 · Snack and Nonalcoholic Beverage Bars
- Nunnemaker DB, LLC — Gearhart · $408K · FY2020 · Snack and Nonalcoholic Beverage Bars
- DB COFFEE FRESNO, INC — Fresno · $611K · FY2020 · Limited-Service Restaurants
- Churn Creek Investments, Inc. — Redding · $915K · FY2021 · Snack and Nonalcoholic Beverage Bars
- LIQUID LUV CO. — Roseville · $2.5M · FY2021 · All Other Specialty Food Stores
Top lenders for this brand
Most active states
- 1.California (7 loans)
- 2.Oregon (3 loans)
- 3.Colorado (3 loans)
- 4.Idaho (2 loans)
- 5.Washington (2 loans)
- 6.Arizona (1 loans)
- 7.Nevada (1 loans)
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Common questions
How much does a Dutch Bros. cost to buy or open?
The typical deal for Dutch Bros. is $611K across 19 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $67K of buyer cash on a typical deal.
How risky is Dutch Bros.?
Dutch Bros. has 19 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 Dutch Bros. with an SBA loan?
Yes — Dutch Bros. has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Dutch Bros. franchise
Most Dutch Bros. 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 Dutch Bros. deal financed for $611K, which points to about $67K of buyer cash on a typical purchase. Dutch Bros. is listed in the SBA Franchise Directory (identifier S0531), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Dutch Bros. — 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 Dutch Bros. — 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 Dutch Bros. — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Dutch Bros. is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 19 SBA 7(a) deals since 2020
- $611K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0531)
- Top lenders: Plumas Bank, SouthState Bank, National Association, Zions Bank, A Division of
- 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.
Still have questions about buying a Dutch Bros.?
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Represent Dutch Bros.?
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 Dutch Bros..