SBA Loans for Dutch Bros. Franchises
Who actually funds Dutch Bros. SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2026.
Top lenders funding Dutch Bros. SBA loans
Ranked by number of Dutch Bros. 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Plumas Bank | 4 | $5.1M | $1.3M |
| 2 | Columbia Bank | 1 | $2.2M | $2.2M |
| 2 | Heritage Bank | 1 | $1.3M | $1.3M |
| 2 | America First Federal Credit Union | 1 | $5.0M | $5.0M |
| 2 | KeyBank National Association | 1 | $242K | $242K |
| 2 | Zions Bank, A Division of | 1 | $320K | $320K |
| 2 | Idaho Trust Bank | 1 | $350K | $350K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Dutch Bros. loan in this period, ranked by loan count.
Dutch Bros. SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 4 | $5.1M | $1.3M |
| AZ | 1 | $5.0M | $5.0M |
| OR | 1 | $2.2M | $2.2M |
| WA | 2 | $1.6M | $794K |
| ID | 1 | $350K | $350K |
| NV | 1 | $320K | $320K |
Dutch Bros. SBA loans by year
How Dutch Bros. SBA loans have performed
Outcomes for every funded Dutch Bros. 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
How to use this
The lenders above have actually closed SBA 7(a) loans for Dutch Bros. franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your Dutch Bros. deal to a lender currently funding this brand.
Financing a Dutch Bros. franchise?
We know which lenders are actively funding Dutch Bros. deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).