Food & Restaurants · lender intelligence

How to finance a McDonalds

State:

The SBA 7(a) lenders funding the most McDonalds deals, ranked from public loan records — typical McDonalds loan about $2.7M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance McDonalds

$2.70M

Typical loan

range $909K–$4.06M

$3.00M

Est. purchase price

≈ loan ÷ 90%

$413,938

Cash to close

$300,000 down + fees

$34,937/mo

Typical payment

~9.5% · 10yr

$482,131/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

22 days

Typical time to fund

Lenders competing

more = leverage

6.53%

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 McDonalds

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

1.1,322 loans · $185M · Wilmington, DEFull record →
2.284 loans · $254M · Cincinnati, OHFull record →
3.242 loans · $281M · Chicago, ILFull record →
4.97 loans · $96M · Raleigh, NCFull record →
5.2,539 loans · $965M · Columbus, OHFull record →
6.32 loans · $54M · Tupelo, MSFull record →
7.19 loans · $5M · Bessemer, ALFull record →

12+ funded McDonalds 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.

Jams Bites LLC in Roswell, GA — $4.1M (2025) · purchase · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.0M (75%)
Approval → funding
21 days
Approved
12/19/2024
First disbursed
1/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
105
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$4.5M
Est. down payment (10%)
$451K
Est. cash at closing
$623K
Monthly payment
$46,896
Annual debt service
$563K
Cash flow needed (1.25×)
$703K
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 TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Buns Up Enterprises, LLC in Edgewood, NM — $4.7M (2024) · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.14% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.5M (75%)
Approval → funding
26 days
Approved
5/22/2024
First disbursed
6/17/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
125
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
MATH633, LTD. in Dearborn, MI — $2.7M (2024) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
47 days
Approved
1/11/2024
First disbursed
2/27/2024
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
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
A-RAY-A 2 LLC in Detroit, MI — $909K (2024) · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$682K (75%)
Approval → funding
20 days
Approved
3/12/2024
First disbursed
4/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
70
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
MATH633, LTD. in Dearborn, MI — $100K (2024) · Byline Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
22 days
Approved
1/11/2024
First disbursed
2/2/2024
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
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
RL Fong Solutions LLC DBA McDonald's NSN 7843 in Ledgewood, NJ — $3.5M (2022) · TD Bank, National Association
Program
7a General
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.6M (75%)
Approval → funding
27 days
Approved
6/3/2022
First disbursed
6/30/2022
Loan status
Paid in full (5/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
91
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
A-RAY-A LLC in Detroit, MI — $2.8M (2022) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
4.49% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
0 days
Approved
2/7/2022
First disbursed
2/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
55
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$309K
Est. cash at closing
$426K
Monthly payment
$28,782
Annual debt service
$345K
Cash flow needed (1.25×)
$432K
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 Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
Archways Harrison Inc. in Harrison, OH — $1.9M (2022) · First Financial Bank
Program
Preferred Lenders Program
Rate at approval
5.5% fixed
Term
124 months
SBA guaranteed
$1.4M (75%)
Approval → funding
21 days
Approved
4/15/2022
First disbursed
5/6/2022
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
70
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Financial Bank · Lender record →
Your business? Claim this record · Request removal
A-RAY-A LLC in Detroit, MI — $70K (2022) · purchase · Fifth Third Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
3.86% variable
Term
120 mo (10 yrs)
SBA guaranteed
$35K (50%)
Approved
2/7/2022
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
55
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$78K
Est. down payment (10%)
$8K
Est. cash at closing
$10K
Monthly payment
$704
Annual debt service
$8K
Cash flow needed (1.25×)
$11K
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 Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
JSB, Inc. in Cornelia, GA — $5.0M (2021) · Renasant Bank
Program
7a General
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
117 days
Approved
11/13/2020
First disbursed
3/10/2021
Loan status
Paid in full (12/31/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
250
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
Cristo, LLC in Atlanta, GA — $2.2M (2021) · First-Citizens Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
240 mo (20 yrs)
SBA guaranteed
$2.0M (90%)
Approval → funding
10 days
Approved
4/20/2021
First disbursed
4/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
300
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
CMF Enterprises, Inc. in Flint, MI — $645K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$581K (90%)
Approval → funding
3 days
Approved
5/24/2021
First disbursed
5/27/2021
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
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a McDonalds? 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 McDonalds businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a McDonalds 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. TD Bank, National Association funds the most. CapBench is not a lender.

$2.7M typical McDonalds loan
7 lenders fund the brand
22 days typical to fund

Buyers researching a McDonalds 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 McDonalds 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/mcdonalds
API:: https://www.capbench.com/api/public/lenders?franchise=mcdonalds
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.