SBA Loans for McDonalds Franchises
Who actually funds McDonalds SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2025.
Top lenders funding McDonalds SBA loans
Ranked by number of McDonalds 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Fifth Third Bank | 3 | $3.8M | $1.3M |
| 1 | TD Bank, National Association | 3 | $12.3M | $4.1M |
| 3 | Byline Bank | 2 | $2.8M | $1.4M |
| 4 | The Huntington National Bank | 1 | $645K | $645K |
| 4 | First Financial Bank | 1 | $1.9M | $1.9M |
| 4 | First-Citizens Bank & Trust Company | 1 | $2.2M | $2.2M |
| 4 | Renasant Bank | 1 | $5.0M | $5.0M |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2025. Shows lenders with at least one approved McDonalds loan in this period, ranked by loan count.
McDonalds SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| GA | 3 | $11.3M | $3.8M |
| MI | 6 | $7.2M | $1.2M |
| NM | 1 | $4.7M | $4.7M |
| NJ | 1 | $3.5M | $3.5M |
| OH | 1 | $1.9M | $1.9M |
McDonalds SBA loans by year
How McDonalds SBA loans have performed
Outcomes for every funded McDonalds 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 McDonalds 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 McDonalds deal to a lender currently funding this brand.
Financing a McDonalds franchise?
We know which lenders are actively funding McDonalds deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).