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McDonalds, 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 S4992)

12 deals since 2020 · typical deal $2.7M

12

Deals since 2020

$2.7M

Typical deal

1

Deals since FY2025

—

Too few deals to score risk

McDonalds has 12 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for McDonalds

Most McDonalds deals financed between $909K and $4.06M. Above $4.06M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$35,308
Down payment (10%)
$300K
Cash to close (all-in)
$414K

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 ~$414K)

Experience

Recent financings

  • Jams Bites LLC in Roswell, GA — $4.1M (2025) · purchase · TD Bank, National Association
  • Buns Up Enterprises, LLC in Edgewood, NM — $4.7M (2024) · TD Bank, National Association
  • MATH633, LTD. in Dearborn, MI — $2.7M (2024) · Byline Bank
  • A-RAY-A 2 LLC in Detroit, MI — $909K (2024) · Fifth Third Bank
  • MATH633, LTD. in Dearborn, MI — $100K (2024) · Byline Bank
  • RL Fong Solutions LLC DBA McDonald's NSN 7843 in Ledgewood, NJ — $3.5M (2022) · TD Bank, National Association
  • A-RAY-A LLC in Detroit, MI — $2.8M (2022) · purchase · Fifth Third Bank
  • Archways Harrison Inc. in Harrison, OH — $1.9M (2022) · First Financial Bank
  • A-RAY-A LLC in Detroit, MI — $70K (2022) · purchase · Fifth Third Bank
  • JSB, Inc. in Cornelia, GA — $5.0M (2021) · Renasant Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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McDonalds brand mark

Who funds McDonalds — and where

Every dot is a financed McDonalds — 12 mapped.

Financed McDonalds locations — list all 12 as text

Top lenders for this brand

  1. 1.TD Bank, National Association(3)
  2. 2.Fifth Third Bank(3)
  3. 3.Byline Bank(2)
  4. 4.First-Citizens Bank & Trust Company(1)
  5. 5.The Huntington National Bank(1)

Most active states

  1. 1.Michigan (6 loans)
  2. 2.Georgia (3 loans)
  3. 3.New Mexico (1 loans)
  4. 4.New Jersey (1 loans)
  5. 5.Ohio (1 loans)

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Common questions

How much does a McDonalds cost to buy or open?

The typical deal for McDonalds is $2.7M across 12 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $297K of buyer cash on a typical deal.

How risky is McDonalds?

McDonalds has 12 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 McDonalds with an SBA loan?

Yes — McDonalds has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a McDonalds franchise

Most McDonalds 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 McDonalds deal financed for $2.7M, which points to about $297K of buyer cash on a typical purchase. McDonalds is listed in the SBA Franchise Directory (identifier S4992), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund McDonalds — 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 McDonalds — 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 McDonalds — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. McDonalds is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 12 SBA 7(a) deals since 2020
  • $2.7M typical deal
  • 1 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S4992)
  • Top lenders: TD Bank, National Association, Fifth Third Bank, Byline Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/mcdonalds
API:
https://www.capbench.com/api/public/franchises/mcdonalds
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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with McDonalds.

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