Food & Restaurants · lender intelligence

How to finance a Duck Donuts in Virginia

State:

The SBA 7(a) lenders funding the most Duck Donuts deals in Virginia, from public loan records — typical Duck Donuts loan about $425K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Duck Donuts in Virginia

$595K

Typical loan

range $425K–$600K

$661K

Est. purchase price

≈ loan ÷ 90%

$88,350

Cash to close

$66,056 down + fees

$7,693/mo

Typical payment

~9.5% · 10yr

$106,163/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

40 days

Typical time to fund

Lenders competing

more = leverage

10.21%

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 Duck Donuts in Virginia

Ranked by funded Duck Donuts loans in Virginia. Tap a lender for its full record, or hit Get in touch for an introduction.

1.103 loans · $64M · Indiana, PAFull record →
2.40 loans · $42M · Englewood Cliffs, NJFull record →
3.318 loans · $229M · Osage Beach, MOFull record →
4.18 loans · $24M · Madison, WIFull record →

7+ funded Duck Donuts in Virginia 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.

Adeline LLC in Fredericksburg, VA — $659K (2025) · ConnectOne Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
124 months
SBA guaranteed
$494K (75%)
Approval → funding
40 days
Approved
1/10/2025
First disbursed
2/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by ConnectOne Bank · Lender record →
Your business? Claim this record · Request removal
Yiengst Enterprises LLC in Vienna, VA — $600K (2024) · ConnectOne Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
125 months
SBA guaranteed
$450K (75%)
Approved
2/8/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by ConnectOne Bank · Lender record →
Your business? Claim this record · Request removal
Duck Donuts in Haymarket, VA — $438K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
126 months
SBA guaranteed
$328K (75%)
Approval → funding
7 days
Approved
6/17/2024
First disbursed
6/24/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
R & S Jernigan, LLC in Lynchburg, VA — $425K (2024) · purchase · First Business Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$319K (75%)
Approval → funding
89 days
Approved
11/3/2023
First disbursed
1/31/2024
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$472K
Est. down payment (10%)
$47K
Est. cash at closing
$63K
Monthly payment
$5,915
Annual debt service
$71K
Cash flow needed (1.25×)
$89K
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 First Business Bank · Lender record →
Your business? Claim this record · Request removal
Castro FH, LLC in Broadlands, VA — $595K (2023) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$446K (75%)
Approved
8/21/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
DD Broadlands, LLC in Broadlands, VA — $595K (2023) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$446K (75%)
Approval → funding
28 days
Approved
9/8/2023
First disbursed
10/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
HDK Enterprises, LLC in Williamsburg, VA — $360K (2021) · First Commonwealth Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$324K (90%)
Approval → funding
74 days
Approved
5/13/2021
First disbursed
7/26/2021
Loan status
Current
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 First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Duck Donuts in Virginia? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded Duck Donuts loans with a Virginia project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Duck Donuts purchase in Virginia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Virginia deals. First Commonwealth Bank funds the most here. CapBench is not a lender.

$425K typical Duck Donuts loan
4 lenders active in Virginia
7+ funded Virginia deals
40 days typical to fund

Buyers buying a Duck Donuts in Virginia typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Duck Donuts lenders

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/lenders/franchise/duck-donuts/virginia
API:: https://www.capbench.com/api/public/lenders?franchise=duck-donuts
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.