Buying a Dunkin' franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 12 7(a) loans to buy an existing Dunkin' (classified mostly as Limited-Service Restaurants), totaling $16.1M. The median loan was $1,262,500, 96% higher than the $645,250 median for all SBA-financed acquisitions. 3 of these loans were approved in the last two fiscal years.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Dunkin' resale loans landed between $589,800 and $1,843,500.
- Lender experience exists. Byline Bank alone has financed 2 Dunkin' resales.
- Guaranty. The SBA guaranteed 79% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Dunkin' resale
The median SBA 7(a) loan for a Dunkin' resale was $1,262,500 across 12 loans (FY2018 to FY2026). Byline Bank, BankVista and Live Oak Banking Company have financed the most Dunkin' resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Dunkin' acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 2 | $1.5M | $768,500 | |
| FY2020 | 4 | $5.2M | $1,262,500 | |
| FY2021 | 2 | $4.2M | $2,106,500 | |
| FY2022 | 1 | $600K | $600,400 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 3 | $4.6M | $1,645,000 | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Dunkin' acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Lenders financing Dunkin' resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Byline Bank | 2 | 16.7% | $4.1M | |
| 2 | BankVista | 2 | 16.7% | $2.6M | |
| 3 | Live Oak Banking Company | 2 | 16.7% | $2.3M | |
| 4 | Happen Bank | 1 | 8.3% | $2.5M | |
| 5 | Wilmington Savings Fund Society FSB | 1 | 8.3% | $1.5M | |
| 6 | Hanover Community Bank | 1 | 8.3% | $980K | |
| 7 | Civista Bank | 1 | 8.3% | $979K | |
| 8 | UMB Bank, National Association | 1 | 8.3% | $600K | |
| 9 | The MINT National Bank | 1 | 8.3% | $558K |
States where Dunkin' units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Minnesota | 3 | 25.0% | $3.2M | |
| 2 | Missouri | 2 | 16.7% | $4.1M | |
| 3 | New Jersey | 2 | 16.7% | $1.5M | |
| 4 | Wisconsin | 1 | 8.3% | $2.5M | |
| 5 | Illinois | 1 | 8.3% | $1.8M | |
| 6 | Pennsylvania | 1 | 8.3% | $1.5M | |
| 7 | Ohio | 1 | 8.3% | $979K | |
| 8 | New York | 1 | 8.3% | $558K |
Seller note standby terms and third-party consents are reviewed before closing.
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How lenders classify Dunkin'
Lenders code each loan to a NAICS industry. For Dunkin' the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Limited-Service Restaurants | 7 | 58.3% | $9.3M | |
| 2 | Snack and Nonalcoholic Beverage Bars | 4 | 33.3% | $6.2M | |
| 3 | Baked Goods Retailers | 1 | 8.3% | $558K |
Questions buyers ask
How much do buyers borrow to buy a Dunkin' franchise?
The median SBA 7(a) loan for a Dunkin' resale was $1,262,500 across 12 loans (FY2018 to FY2026). The middle half of loans ran from $589,800 to $1,843,500. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Dunkin' acquisitions?
Byline Bank has made the most SBA acquisition loans for Dunkin' (2, 17% of the total). BankVista, Live Oak Banking Company, Happen Bank follow.
What interest rate and term do Dunkin' acquisition loans carry?
The average initial rate at approval was 6.86% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is a Dunkin' resale riskier than other SBA-financed acquisitions?
Too few Dunkin' acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Dunkin' units being bought with SBA loans?
Minnesota (3), Missouri (2), New Jersey (2), Wisconsin (1), Illinois (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Terms signed in the LOI shape the purchase agreement that follows.
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Related
- All Limited-Service Restaurants acquisitions
- Minnesota acquisitions
- Missouri acquisitions
- New Jersey acquisitions
- Byline Bank
- BankVista
- Live Oak Banking Company
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Dunkin'" (franchise code S0529). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.