Food & Restaurants · lender intelligence

How to finance a Dutch Bros.

State:

The SBA 7(a) lenders funding the most Dutch Bros. deals, ranked from public loan records — typical Dutch Bros. loan about $611K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Dutch Bros.

$611K

Typical loan

range $242K–$1.35M

$679K

Est. purchase price

≈ loan ÷ 90%

$90,802

Cash to close

$67,889 down + fees

$7,906/mo

Typical payment

~9.5% · 10yr

$109,103/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

36 days

Typical time to fund

Lenders competing

more = leverage

5.77%

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 Dutch Bros.

Ranked by funded Dutch Bros. loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.29 loans · $28M · Quincy, CAFull record →
2.62 loans · $34M · Winter Haven, FLFull record →
3.618 loans · $171M · Salt Lake City, UTFull record →
4.99 loans · $43M · Walla Walla, WAFull record →
5.16 loans · $21M · Las Vegas, NVFull record →
6.2 loans · $0M · Boise, IDFull record →
7.34 loans · $12M · Wood River, NEFull record →
8.13 loans · $18M · Roseburg, ORFull record →
9.328 loans · $134M · Cleveland, OHFull record →
10.30 loans · $24M · Kansas City, MOFull record →

19+ funded Dutch Bros. 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.

Andrew Head, LLC in Minden, NV — $320K (2026) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$240K (75%)
Approval → funding
6 days
Approved
2/18/2026
First disbursed
2/24/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Sunnyside DB, LLC in Benton City, WA — $1.3M (2025) · Heritage Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
19 days
Approved
3/21/2025
First disbursed
4/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Heritage Bank · Lender record →
Your business? Claim this record · Request removal
J.L. Chudek, LLC in Vancouver, WA — $242K (2024) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
126 months
SBA guaranteed
$181K (75%)
Approval → funding
50 days
Approved
4/22/2024
First disbursed
6/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
DutchLove LLC in Dalton Gardens, ID — $350K (2023) · Idaho Trust Bank
Program
7a General
Rate at approval
8% variable
Term
126 months
SBA guaranteed
$263K (75%)
Approval → funding
24 days
Approved
12/19/2022
First disbursed
1/12/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
75
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Idaho Trust Bank · Lender record →
Your business? Claim this record · Request removal
Barnes DB Enterprises, LLC in Hermiston, OR — $2.2M (2022) · purchase · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (75%)
Approval → funding
14 days
Approved
9/1/2022
First disbursed
9/15/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
56
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$248K
Est. cash at closing
$342K
Monthly payment
$26,506
Annual debt service
$318K
Cash flow needed (1.25×)
$398K
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
ENRICHED, LLC in Scottsdale, AZ — $5.0M (2021) · Meadows Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
315 months
SBA guaranteed
$3.5M (70%)
Approval → funding
15 days
Approved
3/16/2021
First disbursed
3/31/2021
Loan status
Paid in full (12/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Automotive Body, Paint, and Interior Repair and Maintenance
Funded by Meadows Bank · Lender record →
Your business? Claim this record · Request removal
LIQUID LUV CO. in Roseville, CA — $2.5M (2021) · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
306 months
SBA guaranteed
$2.3M (90%)
Approval → funding
0 days
Approved
8/31/2021
First disbursed
8/31/2021
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
4
Business age
Startup, Loan Funds will Open Business
Industry
All Other Specialty Food Stores
Funded by Plumas Bank · Lender record →
Your business? Claim this record · Request removal
G4 INVESTMENTS CORP. in Antelope, CA — $1.2M (2021) · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$891K (75%)
Approval → funding
48 days
Approved
12/10/2020
First disbursed
1/27/2021
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
Snack and Nonalcoholic Beverage Bars
Funded by Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Churn Creek Investments, Inc. in Redding, CA — $915K (2021) · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
4.2% variable
Term
300 mo (25 yrs)
SBA guaranteed
$824K (90%)
Approval → funding
0 days
Approved
7/16/2021
First disbursed
7/16/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Churn Creek Investments, Inc. in Redding, CA — $488K (2021) · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
4.2% variable
Term
25 months
SBA guaranteed
$439K (90%)
Approved
6/2/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Randalls, Inc. in Meridian, ID — $1.8M (2020) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
15 days
Approved
9/15/2020
First disbursed
9/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
G4 INVESTMENTS CORP. in Rio Linda, CA — $1.2M (2020) · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
2.25% variable
Term
126 months
SBA guaranteed
$908K (75%)
Approval → funding
6 days
Approved
9/24/2020
First disbursed
9/30/2020
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Liquid Luv Co. in Grass Valley, CA — $1.1M (2020) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.76% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$851K (75%)
Approval → funding
187 days
Approved
4/27/2020
First disbursed
10/31/2020
Loan status
Paid in full (12/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
90
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
DB COFFEE FRESNO, INC in Fresno, CA — $611K (2020) · UMB Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
119 months
SBA guaranteed
$458K (75%)
Approval → funding
36 days
Approved
2/24/2020
First disbursed
3/31/2020
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
200
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Nunnemaker DB, LLC in Gearhart, OR — $408K (2020) · Banner Bank
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$306K (75%)
Approval → funding
118 days
Approved
12/4/2019
First disbursed
3/31/2020
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
Snack and Nonalcoholic Beverage Bars
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal
DB NOCO, LLC in Loveland, CO — $185K (2020) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$139K (75%)
Approval → funding
147 days
Approved
5/6/2020
First disbursed
9/30/2020
Loan status
Paid in full (1/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
DB NOCO, LLC in Loveland, CO — $185K (2020) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$139K (75%)
Approved
5/6/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
DB NOCO, LLC in Loveland, CO — $166K (2020) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$125K (75%)
Approval → funding
266 days
Approved
5/11/2020
First disbursed
2/1/2021
Loan status
Paid in full (1/31/2022)
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Nunnemaker DB, LLC in Seaside, OR — $83K (2020) · Banner Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$71K (85%)
Approval → funding
60 days
Approved
5/1/2020
First disbursed
6/30/2020
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
Snack and Nonalcoholic Beverage Bars
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Dutch Bros.? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Dutch Bros. businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Dutch Bros. 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. Plumas Bank funds the most. CapBench is not a lender.

$611K typical Dutch Bros. loan
11 lenders fund the brand
36 days typical to fund

Buyers researching a Dutch Bros. 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.

Next steps

Pre-qualify this deal Talk to a loan broker Dutch Bros. record

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/dutch-bros
API:: https://www.capbench.com/api/public/lenders?franchise=dutch-bros
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.