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McDonalds, by the numbers

McDonalds appears in 12 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). 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)McDonalds lenders in Michigan->
  2. 2.Georgia (3 loans)McDonalds lenders in Georgia->
  3. 3.New Mexico (1 loans)McDonalds lenders in New Mexico->
  4. 4.New Jersey (1 loans)McDonalds lenders in New Jersey->
  5. 5.Ohio (1 loans)McDonalds lenders in Ohio->

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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 2026-07-26.
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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