Franchise brands › Dunkin' Donut
Franchise brand52 approvals since FY2015
SBA loans to Dunkin' Donut franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Since FY2015, 52 SBA loan approvals worth $48.3M carry the Dunkin' Donut franchise code, 34 of them in FY2021 to FY2025.
In FY2025 there were 2. The average approval in the five-year window was $823K, and 10 of the approvals were 504 loans.
20 lenders made the FY2021 to FY2025 loans across 12 states; the most active were WBD, Inc. (5), SomerCor 504, Inc. (3) and Mission Valley Bank (3).
These are loans to independent franchise owners, not to the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 1 | — | — | 1 | 14 |
| FY2025 | 2 | — | — | 1 | 47 |
| FY2024 | 2 | — | — | 0 | 66 |
| FY2023 | 8 | $6.1M | $761K | 3 | 152 |
| FY2022 | 9 | $5.7M | $636K | 4 | 188 |
| FY2021 | 13 | $10.9M | $841K | 2 | 233 |
| FY2020 | 5 | $7.7M | $1.5M | 3 | 201 |
| FY2019 | 8 | $8.0M | $1.0M | 0 | 191 |
| FY2018 | 3 | $2.4M | $792K | 1 | 53 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Dunkin' Donut/Baskin-Robbins Co-Brand". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Dunkin' Donut | All SBA loans |
|---|---|---|
| Approvals in these years | 30 | 725,496 |
| Cancelled or never disbursed | 6 | 91,827 |
| Disbursed loans | 24 | 633,669 |
| Paid in full | 10 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 14 | 124,569 |
| Charged off, share of disbursed loans | too few loans | 6.0% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.2% |
| Dollars charged off | — | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | WBD, Inc.Madison, WI · CDC | 5 | $4.4M | 14.7% | |
| 2 | SomerCor 504, Inc.Chicago, IL · CDC | 3 | $3.2M | 8.8% | |
| 3 | Mission Valley BankSun Valley, CA | 3 | $832K | 8.8% | |
| 4 | The Huntington National BankColumbus, OH | 2 | — | 5.9% | |
| 5 | OakStar BankSpringfield, MO | 2 | — | 5.9% | |
| 6 | Firstrust Savings BankConshohocken, PA | 2 | — | 5.9% | |
| 7 | Wilmington Savings Fund Society FSBWilmington, DE | 2 | — | 5.9% | |
| 8 | Alliance Credit UnionLubbock, TX | 2 | — | 5.9% | |
| 9 | Manufacturers and Traders Trust CompanyBuffalo, NY | 2 | — | 5.9% | |
| 10 | Main BankAlbuquerque, NM | 1 | — | 2.9% | |
| 11 | Georgia Certified Development CorporationAtlanta, GA · CDC | 1 | — | 2.9% | |
| 12 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 2.9% | |
| 13 | LiftFund, Inc.San Antonio, TX · CDC | 1 | — | 2.9% | |
| 14 | New Millennium BankFort Lee, NJ | 1 | — | 2.9% | |
| 15 | NewBankFlushing, NY | 1 | — | 2.9% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Wisconsin | 7 | 20.6% | |
| 2 | New Jersey | 7 | 20.6% | |
| 3 | Texas | 5 | 14.7% | |
| 4 | California | 4 | 11.8% | |
| 5 | Ohio | 2 | 5.9% | |
| 6 | Missouri | 2 | 5.9% | |
| 7 | New York | 2 | 5.9% | |
| 8 | New Mexico | 1 | 2.9% | |
| 9 | Georgia | 1 | 2.9% | |
| 10 | Illinois | 1 | 2.9% | |
| 11 | Kansas | 1 | 2.9% | |
| 12 | Maryland | 1 | 2.9% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 22 | 64.7% | |
| 2 | Specialty Food StoresNAICS 4452 | 12 | 35.3% |
Approval sizes
- $50,000 or less2.9%1
- $50,001 to $150,0005.9%2
- $150,001 to $350,0008.8%3
- $350,001 to $1 million58.8%20
- $1 million to $2 million20.6%7
- Over $2 million2.9%1
Age of the businesses
- Existing, more than 2 years old55.9%19
- New business, 2 years or less8.8%3
- Startup, loan funds will open the business23.5%8
- Change of ownership11.8%4
Questions and answers
How many SBA loans go to Dunkin' Donut franchises?
52 approvals since FY2015, worth $48.3M; 34 in FY2021 to FY2025.
Which lenders make SBA loans for Dunkin' Donut franchises?
By approvals in FY2021 to FY2025: WBD, Inc. (5), SomerCor 504, Inc. (3), Mission Valley Bank (3), The Huntington National Bank (2), OakStar Bank (2).
How large is a typical SBA loan for a Dunkin' Donut franchise?
The average approval in FY2021 to FY2025 was $823K.
What share of Dunkin' Donut SBA loans are charged off?
There are fewer than 30 disbursed loans from the matured approval years, too few for a rate.
Are SBA loans to Dunkin' Donut franchises rising?
Approvals in the three latest complete fiscal years total 12, against 27 in the three before: falling (-56%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error