How much does a Dairy Queen Operating Agreement cost to buy or open?

The typical deal for Dairy Queen Operating Agreement is $520K across 66 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $57K of buyer cash on a typical deal.

How risky is Dairy Queen Operating Agreement?

0% of Dairy Queen Operating Agreement's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Dairy Queen Operating Agreement with an SBA loan?

Yes — Dairy Queen Operating Agreement has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Dairy Queen Operating Agreement SBA Intelligence: Real Cost, Rates & Failure Rate

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Dairy Queen Operating Agreement SBA Intelligence: Real Cost, Rates & Failure Rate | DealRoom

P5 Treats LLC in Great Bend, KS — $396K (2025) · purchase · Union Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
240 mo (20 yrs)
SBA guaranteed
$297K (75%)
Approval → funding
19 days
Approved
2/27/2025
First disbursed
3/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$440K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$3,190
Annual debt service
$38K
Cash flow needed (1.25×)
$48K
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 Union Bank and Trust Company · Lender record →
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J & J GROUP USA INC. in Conshohocken, PA — $650K (2024) · PromiseOne Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$488K (75%)
Approval → funding
9 days
Approved
10/21/2023
First disbursed
10/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
P5 Treats LLC in Omaha, NE — $500K (2024) · purchase · Union Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
32 days
Approved
5/30/2024
First disbursed
7/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
P5 Treats LLC in Omaha, NE — $450K (2024) · purchase · Union Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$338K (75%)
Approval → funding
32 days
Approved
5/30/2024
First disbursed
7/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
SAI DATT, INC. in Diberville, MS — $1.2M (2023) · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$870K (75%)
Approval → funding
6 days
Approved
8/11/2023
First disbursed
8/17/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jay Dola Properties LLC in Indianapolis, IN — $1.0M (2023) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
142 days
Approved
12/19/2022
First disbursed
5/10/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
MSW Lands, LLP in East Grand Forks, MN — $845K (2023) · Frandsen Bank and Trust
Program
7a General
Rate at approval
7.75% variable
Term
240 mo (20 yrs)
SBA guaranteed
$634K (75%)
Approved
12/23/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
C & B Treats LLC in Minneapolis, MN — $400K (2023) · North American Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.89% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$200K (50%)
Approval → funding
11 days
Approved
1/26/2023
First disbursed
2/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
BRIANSQUARED, LLC in Auburn Hills, MI — $210K (2023) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
121 months
SBA guaranteed
$158K (75%)
Approval → funding
25 days
Approved
3/30/2023
First disbursed
4/24/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Secondary market
Fownko Realty, LLC in Hollidaysburg, PA — $150K (2023) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
243 months
SBA guaranteed
$113K (75%)
Approved
11/8/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
69
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants

Dairy Queen Operating Agreement, by the numbers

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Who funds Dairy Queen Operating Agreement — and where

Common questions

How much does a Dairy Queen Operating Agreement cost to buy or open?

How risky is Dairy Queen Operating Agreement?

Can I finance a Dairy Queen Operating Agreement with an SBA loan?

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