Food & Restaurants · lender intelligence
How to finance a DQ Treat
The SBA 7(a) lenders funding the most DQ Treat deals, ranked from public loan records — typical DQ Treat loan about $700K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance DQ Treat
$700K
Typical loan
range $392K–$836K
$778K
Est. purchase price
≈ loan ÷ 90%
$104,028
Cash to close
$77,778 down + fees
$9,058/mo
Typical payment
~9.5% · 10yr
$125,000/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
14 days
Typical time to fund
11
Lenders competing
more = leverage
7.36%
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 DQ Treat
Ranked by funded DQ Treat 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 →
- 2.20 loans · $14M · Arlington Heights, ILFull record →
- 3.128 loans · $40M · Wilmington, DEFull record →
- 4.1,927 loans · $207M · Buffalo, NYFull record →
- 5.4 loans · $3M · Saint Paul, MNFull record →
- 6.60 loans · $130M · Doraville, GAFull record →
- 7.139 loans · $102M · Los Angeles, CAFull record →
- 8.5 loans · $8M · Kent, OHFull record →
- 9.28 loans · $32M · Saint Joseph, MIFull record →
- 10.284 loans · $254M · Cincinnati, OHFull record →
17+ funded DQ Treat 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.
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
- Love Bria Inc. in Hamilton, IL — $836K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 168 mo (14 yrs)
- SBA guaranteed
- $627K (75%)
- Approval → funding
- 10 days
- Approved
- 9/20/2022
- First disbursed
- 9/30/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Love Bria Inc. in Hamilton, IL — $836K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 168 mo (14 yrs)
- SBA guaranteed
- $627K (75%)
- Approved
- 9/20/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- IQRA MALIK INCORPORATED in Ganado, TX — $700K (2022) · Hanmi Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $525K (75%)
- Approved
- 8/23/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
- JHJames Real Estate Enterprises LLC in West Mifflin, PA — $350K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 4 days
- Approved
- 1/27/2022
- First disbursed
- 1/31/2022
- Loan status
- Paid in full (2/28/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Love Bria Inc. in Hamilton, IL — $50K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 15 days
- Approved
- 9/20/2022
- First disbursed
- 10/5/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JHDQ West Mifflin LLC in West Mifflin, PA — $25K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 4 days
- Approved
- 1/27/2022
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- EVERGREEN EDU LLC in Clinton, WA — $1.4M (2020) · purchase · Metro City Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 50 days
- Approved
- 8/11/2020
- First disbursed
- 9/30/2020
- 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
- $1.6M
- Est. down payment (10%)
- $158K
- Est. cash at closing
- $217K
- Monthly payment
- $7,693
- Annual debt service
- $92K
- Cash flow needed (1.25×)
- $115K
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 Metro City Bank · Lender record →
Your business? Claim this record · Request removal
Buying a DQ Treat? 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 DQ Treat businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a DQ Treat 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.
- $700K typical DQ Treat loan
- 11 lenders fund the brand
- 14 days typical to fund
Buyers researching a DQ Treat 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.