Food & Restaurants · lender intelligence

How to finance a Dunkin' Donuts in Illinois

State:

The SBA 7(a) lenders funding the most Dunkin' Donuts deals in Illinois, from public loan records — typical Dunkin' Donuts loan about $800K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Dunkin' Donuts in Illinois

$934K

Typical loan

range $696K–$1.75M

$1.04M

Est. purchase price

≈ loan ÷ 90%

$142,244

Cash to close

$103,733 down + fees

$12,081/mo

Typical payment

~9.5% · 10yr

$166,718/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

12 days

Typical time to fund

Lenders competing

more = leverage

6.41%

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 Dunkin' Donuts in Illinois

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

1.242 loans · $281M · Chicago, ILFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.1 loans · $0M · Ooltewah, TNFull record →

9+ funded Dunkin' Donuts in Illinois 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.

Om Shree Nandgopala LLC in O Fallon, IL — $696K (2023) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$522K (75%)
Approval → funding
3 days
Approved
4/11/2023
First disbursed
4/14/2023
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Shree Hari Property of Joliet Inc in Joliet, IL — $1.9M (2021) · Millennium Bank
Program
7a General
Rate at approval
4.75% variable
Term
310 months
SBA guaranteed
$1.5M (75%)
Approval → funding
12 days
Approved
11/18/2020
First disbursed
11/30/2020
Loan status
Paid in full (12/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Stores
Funded by Millennium Bank · Lender record →
Your business? Claim this record · Request removal
TTZM VENTURES LLC in Lincolnwood, IL — $1.8M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.45% variable
Term
73 months
SBA guaranteed
$1.6M (90%)
Approval → funding
46 days
Approved
2/4/2021
First disbursed
3/22/2021
Loan status
Failed — $1.5M charged off (4/3/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$194K
Est. cash at closing
$267K
Monthly payment
$28,220
Annual debt service
$339K
Cash flow needed (1.25×)
$423K
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
Shree Maruti 59, Inc. in Plainfield, IL — $1.4M (2021) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
27 days
Approved
11/3/2020
First disbursed
11/30/2020
Loan status
Paid in full (4/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
SAI, LLC Series G in Plainfield, IL — $1.8M (2020) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
309 months
SBA guaranteed
$1.3M (75%)
Approved
4/22/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Shiva 4 Inc in Springfield, IL — $934K (2020) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$700K (75%)
Approved
4/22/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
SHIVA 3 INC in Jacksonville, IL — $882K (2020) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$662K (75%)
Approved
4/22/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
OM SHREE BAPA INC in Rantoul, IL — $635K (2020) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$476K (75%)
Approval → funding
8 days
Approved
12/23/2019
First disbursed
12/31/2019
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
OM SHREE BAPA INC in Rantoul, IL — $220K (2020) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$165K (75%)
Approved
4/22/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
New Business or 2 years or less
Industry
Lessors of Nonresidential Buildings (except Miniwarehouses)
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Dunkin' Donuts in Illinois? 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.

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

Agent summary

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

$800K typical Dunkin' Donuts loan
3 lenders active in Illinois
9+ funded Illinois deals
12 days typical to fund

Buyers buying a Dunkin' Donuts in Illinois 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 Dunkin' Donuts lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/dunkin-donuts/illinois
API:: https://www.capbench.com/api/public/lenders?franchise=dunkin-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.