Franchise financing
Financing a Five Guys Famous Burgers and Fries franchise
SBA lenders have approved 39 loans against the Five Guys Famous Burgers and Fries brand since FY2010, totalling $19.9M. The median approval was $378,000. These are loans that actually closed - not projections from a disclosure document.
Rank by loan count
#569
of 1,651 brands
Loans approved
39
FY2010 onward
Median loan
$378,000
Typical range
$300K-$950K
Middle 80% of loans
Median term
10 yr
Charge-off rate
0.0%
33 resolved FY10-19 loans
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 Five Guys Famous Burgers and Fries
| Lender | Loans | Approved | Share |
|---|---|---|---|
| U.S. Bank | 1 | $1.9M | |
| First Interstate Bank | 2 | $1.7M | |
| Manufacturers and Traders Trust Company | 5 | $1.7M | |
| KeyBank | 2 | $1.7M | |
| Bangor Savings Bank | 5 | $1.6M | |
| Readycap Lending, LLC | 3 | $1.4M | |
| The Huntington National Bank | 1 | $1.2M | |
| Southern First Bank | 1 | $1.0M |
Geography
Where Five Guys Famous Burgers and Fries units were financed
| State | Loans | Share |
|---|---|---|
| Connecticut | 7 | |
| New Hampshire | 5 | |
| Florida | 4 | |
| Maryland | 3 | |
| New York | 3 | |
| Georgia | 2 | |
| Wisconsin | 2 | |
| North Carolina | 1 |
Approvals by fiscal year
Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.
Loan sizes
- $150K - $350K31%
- $350K - $1M59%
- $1M - $2M10%
Financing a Five Guys Famous Burgers and Fries: common questions
- How much do lenders finance for a Five Guys Famous Burgers and Fries franchise?
- The median SBA loan approved for a Five Guys Famous Burgers and Fries franchise is $378,000, with the middle 80% of loans between $300,000 and $950,000. 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 Five Guys Famous Burgers and Fries franchises?
- By dollars approved, the most active SBA lenders for Five Guys Famous Burgers and Fries have been U.S. Bank, First Interstate Bank, Manufacturers and Traders Trust Company, KeyBank. 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 Five Guys Famous Burgers and Fries 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.
- Do Five Guys Famous Burgers and Fries SBA loans get charged off often?
- 0.0% of Five Guys Famous Burgers and Fries loans approved between FY2010 and FY2019 that have reached a terminal status were charged off, against 7.6% across all SBA lending. Franchise-level charge-off rates reflect the era a brand expanded in as much as the concept itself - brands that grew hardest into the 2010s carry more seasoned, and more resolved, loans.
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