How much do lenders finance for a Dirty Dough franchise?

The median SBA loan approved for a Dirty Dough franchise is $210,000, with the middle 80% of loans between $30,000 and $392,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Dirty Dough franchises?

By dollars approved, the most active SBA lenders for Dirty Dough have been The Huntington National Bank, Community Banks of Colorado, A Division of NBH Bank, First Bank of the Lake, Celtic Bank Corporation. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Dirty Dough SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Dirty Dough franchise

SBA lenders have approved 51 loans against the Dirty Dough brand since FY2010, totalling $10.9M. The median approval was $210,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#442

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$210,000

Typical range

$30K-$392K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Dirty Dough

Lender	Loans	Approved
The Huntington National Bank	34	$6.7M
Community Banks of Colorado, A Division of NBH Bank	4	$1.1M
First Bank of the Lake	2	$670K
Celtic Bank Corporation	1	$494K
VelocitySBA, LLC	1	$375K
Central Bank	1	$374K
CDC Small Business Finance Corp.	1	$287K
Three Rivers Federal Credit Union	1	$250K

Geography

Where Dirty Dough units were financed

State	Loans	Share
Texas	13
Arizona	5
Georgia	4
California	4
Utah	3
Idaho	3
Ohio	2
Indiana	2

Approvals by fiscal year

’22

’23

’24

’25

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
33%
$50K - $150K
2%
$150K - $350K
45%
$350K - $1M
20%

Financing a Dirty Dough: common questions

How much do lenders finance for a Dirty Dough franchise?: The median SBA loan approved for a Dirty Dough franchise is $210,000, with the middle 80% of loans between $30,000 and $392,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Dirty Dough franchises?: By dollars approved, the most active SBA lenders for Dirty Dough have been The Huntington National Bank, Community Banks of Colorado, A Division of NBH Bank, First Bank of the Lake, Celtic Bank Corporation. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Dirty Dough SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.