How much do lenders finance for a Dutch Bros. franchise?

The median SBA loan approved for a Dutch Bros. franchise is $611,800, with the middle 80% of loans between $185,400 and $1,760,600. 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 Dutch Bros. franchises?

By dollars approved, the most active SBA lenders for Dutch Bros. have been Plumas Bank, America First Federal Credit Union, Columbia Bank, Zions Bank, A Division of. 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 Dutch Bros. SBA loans?

The median term is 10.5 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 Dutch Bros. franchise

SBA lenders have approved 42 loans against the Dutch Bros. brand since FY2010, totalling $36.9M. The median approval was $611,800. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#539

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$611,800

Typical range

$185K-$1.8M

Middle 80% of loans

Median term

10.5 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 Dutch Bros.

Lender	Loans	Approved
Plumas Bank	8	$8.1M
America First Federal Credit Union	1	$5.0M
Columbia Bank	2	$3.0M
Zions Bank, A Division of	3	$2.7M
U.S. Bank	2	$2.6M
Greater Sacramento Certified Development Corporation	3	$2.4M
Washington Trust Bank	2	$1.9M
CDC Small Business Finance Corp.	1	$1.9M

Geography

Where Dutch Bros. units were financed

State	Loans	Share
California	20
Washington	6
Idaho	5
Colorado	4
Oregon	4
Nevada	2
Arizona	1

Approvals by fiscal year

’16

’18

’19

’20

’21

’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

$50K - $150K
7%
$150K - $350K
19%
$350K - $1M
43%
$1M - $2M
24%
Over $2M
7%

Financing a Dutch Bros.: common questions

How much do lenders finance for a Dutch Bros. franchise?: The median SBA loan approved for a Dutch Bros. franchise is $611,800, with the middle 80% of loans between $185,400 and $1,760,600. 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 Dutch Bros. franchises?: By dollars approved, the most active SBA lenders for Dutch Bros. have been Plumas Bank, America First Federal Credit Union, Columbia Bank, Zions Bank, A Division of. 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 Dutch Bros. SBA loans?: The median term is 10.5 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.

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