Food & Restaurants · lender intelligence
How to finance a Dairy Queen Operating Agreement
The SBA 7(a) lenders funding the most Dairy Queen Operating Agreement deals, ranked from public loan records — typical Dairy Queen Operating Agreement loan about $520K, 0% failure rate across 66 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Dairy Queen Operating Agreement
$520K
Typical loan
range $210K–$833K
$578K
Est. purchase price
≈ loan ÷ 90%
$77,278
Cash to close
$57,778 down + fees
$6,729/mo
Typical payment
~9.5% · 10yr
$92,860/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
21 days
Typical time to fund
41
Lenders competing
more = leverage
6.19%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Dairy Queen Operating Agreement
Ranked by funded Dairy Queen Operating Agreement loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.8 loans · $3M · Terrell, TXFull record →
- 3.36 loans · $51M · Carmel, INFull record →
- 4.1 loans · $1M · Lincoln, NEFull record →
- 5.62 loans · $34M · Winter Haven, FLFull record →
- 6.103 loans · $64M · Indiana, PAFull record →
- 7.1,927 loans · $207M · Buffalo, NYFull record →
- 8.1,296 loans · $1.4B · Wilmington, NCFull record →
- 9.11 loans · $7M · New Brunswick, NJFull record →
- 10.4 loans · $2M · Little Rock, ARFull record →
- 11.32 loans · $54M · Tupelo, MSFull record →
- 12.1 loans · $0M · Hastings, MIFull record →
- 13.116 loans · $120M · Evansville, INFull record →
- 14.46 loans · $27M · Sartell, MNFull record →
- 15.34 loans · $19M · Arden Hills, MNFull record →
- 16.23 loans · $30M · Stuart, FLFull record →
- 17.328 loans · $134M · Cleveland, OHFull record →
- 18.168 loans · $205M · Fishers, INFull record →
- 19.16 loans · $18M · Chicago, ILFull record →
- 20.60 loans · $40M · Clayton, MOFull record →
- 21.62 loans · $21M · Saint Cloud, MNFull record →
- 22.5 loans · $2M · Hager City, WIFull record →
- 23.1 loans · $0M · Columbus, MSFull record →
- 24.39 loans · $31M · Duluth, GAFull record →
- 25.138 loans · $276M · Sioux Falls, SDFull record →
66+ funded Dairy Queen Operating Agreement deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- P5 Treats LLC in Great Bend, KS — $396K (2025) · purchase · Union Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $297K (75%)
- Approval → funding
- 19 days
- Approved
- 2/27/2025
- First disbursed
- 3/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $440K
- Est. down payment (10%)
- $44K
- Est. cash at closing
- $59K
- Monthly payment
- $3,190
- Annual debt service
- $38K
- Cash flow needed (1.25×)
- $48K
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 Union Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
- J & J GROUP USA INC. in Conshohocken, PA — $650K (2024) · PromiseOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $488K (75%)
- Approval → funding
- 9 days
- Approved
- 10/21/2023
- First disbursed
- 10/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Retailers
Funded by PromiseOne Bank · Lender record →
Your business? Claim this record · Request removal
- P5 Treats LLC in Omaha, NE — $500K (2024) · purchase · Union Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 32 days
- Approved
- 5/30/2024
- First disbursed
- 7/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $556K
- Est. down payment (10%)
- $56K
- Est. cash at closing
- $74K
- Monthly payment
- $6,133
- Annual debt service
- $74K
- Cash flow needed (1.25×)
- $92K
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 Union Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
- P5 Treats LLC in Omaha, NE — $450K (2024) · purchase · Union Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 32 days
- Approved
- 5/30/2024
- First disbursed
- 7/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $500K
- Est. down payment (10%)
- $50K
- Est. cash at closing
- $67K
- Monthly payment
- $3,548
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $53K
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 Union Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
- SAI DATT, INC. in Diberville, MS — $1.2M (2023) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $870K (75%)
- Approval → funding
- 6 days
- Approved
- 8/11/2023
- First disbursed
- 8/17/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Merchants Bank of Indiana · Lender record →
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- Jay Dola Properties LLC in Indianapolis, IN — $1.0M (2023) · purchase · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $750K (75%)
- Approval → funding
- 142 days
- Approved
- 12/19/2022
- First disbursed
- 5/10/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $111K
- Est. cash at closing
- $152K
- Monthly payment
- $8,052
- Annual debt service
- $97K
- Cash flow needed (1.25×)
- $121K
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 Merchants Bank of Indiana · Lender record →
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- MSW Lands, LLP in East Grand Forks, MN — $845K (2023) · Frandsen Bank and Trust
- Program
- 7a General
- Rate at approval
- 7.75% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $634K (75%)
- Approved
- 12/23/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Frandsen Bank and Trust · Lender record →
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- C & B Treats LLC in Minneapolis, MN — $400K (2023) · North American Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.89% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $200K (50%)
- Approval → funding
- 11 days
- Approved
- 1/26/2023
- First disbursed
- 2/6/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by North American Banking Company
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- BRIANSQUARED, LLC in Auburn Hills, MI — $210K (2023) · purchase · Pathward National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 121 months
- SBA guaranteed
- $158K (75%)
- Approval → funding
- 25 days
- Approved
- 3/30/2023
- First disbursed
- 4/24/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Retailers
If you were the buyer here
- Est. deal size
- $233K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $2,820
- Annual debt service
- $34K
- Cash flow needed (1.25×)
- $42K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
- Fownko Realty, LLC in Hollidaysburg, PA — $150K (2023) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 243 months
- SBA guaranteed
- $113K (75%)
- Approved
- 11/8/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 69
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
- CAROLE CAMPBELL, LLC in Westland, MI — $2.7M (2022) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 306 months
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 7 days
- Approved
- 5/31/2022
- First disbursed
- 6/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 85
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Sazz92, Inc. in Waynesboro, GA — $1.4M (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 7 days
- Approved
- 8/23/2022
- First disbursed
- 8/30/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Kiwi Parents Holdings LLC in Sinking Springs, PA — $842K (2022) · Magyar Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $631K (75%)
- Approval → funding
- 6 days
- Approved
- 8/24/2022
- First disbursed
- 8/30/2022
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Magyar Bank · Lender record →
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- Hawk Delights LLC in Canton, MI — $833K (2022) · purchase · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $624K (75%)
- Approval → funding
- 23 days
- Approved
- 3/8/2022
- First disbursed
- 3/31/2022
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $925K
- Est. down payment (10%)
- $93K
- Est. cash at closing
- $127K
- Monthly payment
- $8,729
- Annual debt service
- $105K
- Cash flow needed (1.25×)
- $131K
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 ChoiceOne Bank · Lender record →
Your business? Claim this record · Request removal
- Dairy Queen of Rockingham in Rockingham, NC — $600K (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 303 months
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 98 days
- Approved
- 5/2/2022
- First disbursed
- 8/8/2022
- Loan status
- Paid in full (2/28/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $667K
- Est. down payment (10%)
- $67K
- Est. cash at closing
- $89K
- Monthly payment
- $3,849
- Annual debt service
- $46K
- Cash flow needed (1.25×)
- $58K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Kiwi Brothers Holdings LLC in Temple, PA — $584K (2022) · Magyar Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $438K (75%)
- Approval → funding
- 7 days
- Approved
- 8/23/2022
- First disbursed
- 8/30/2022
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Magyar Bank · Lender record →
Your business? Claim this record · Request removal
- Moola, LLC in Laconia, NH — $520K (2022) · purchase · Meredith Village Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.65% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $390K (75%)
- Approval → funding
- 26 days
- Approved
- 2/9/2022
- First disbursed
- 3/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $578K
- Est. down payment (10%)
- $58K
- Est. cash at closing
- $77K
- Monthly payment
- $5,427
- Annual debt service
- $65K
- Cash flow needed (1.25×)
- $81K
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 Meredith Village Savings Bank · Lender record →
Your business? Claim this record · Request removal
- Shoppers Stop,Inc in Yucaipa, CA — $490K (2022) · SMBC MANUBANK
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $368K (75%)
- Approval → funding
- 9 days
- Approved
- 6/6/2022
- First disbursed
- 6/15/2022
- Loan status
- Paid in full (5/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by SMBC MANUBANK
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- Koontz Ice Cream LLC in Albuquerque, NM — $365K (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $274K (75%)
- Approval → funding
- 19 days
- Approved
- 8/31/2022
- First disbursed
- 9/19/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $406K
- Est. down payment (10%)
- $41K
- Est. cash at closing
- $54K
- Monthly payment
- $2,817
- Annual debt service
- $34K
- Cash flow needed (1.25×)
- $42K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Peppermint Creek of Point Pleasant, LLC in Point Pleasant, WV — $303K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $227K (75%)
- Approval → funding
- 2 days
- Approved
- 9/27/2022
- First disbursed
- 9/29/2022
- 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
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Dairy Queen Operating Agreement? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Dairy Queen Operating Agreement businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Dairy Queen Operating Agreement purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.
- $520K typical Dairy Queen Operating Agreement loan
- 0% failure rate (FY20–23)
- 41 lenders fund the brand
- 21 days typical to fund
Buyers researching a Dairy Queen Operating Agreement typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
- 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.