Food & Restaurants · lender intelligence
How to finance a McDonalds
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.
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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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 →
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- 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
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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DealRoom 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. DealRoom 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 DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.