How much do lenders finance for a Shipley Do-Nut franchise?

The median SBA loan approved for a Shipley Do-Nut franchise is $549,750, with the middle 80% of loans between $341,000 and $1,290,700. 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 Shipley Do-Nut franchises?

By dollars approved, the most active SBA lenders for Shipley Do-Nut have been Stellar Bank, iTHINK Financial Credit Union, United Community Bank, Readycap Lending, LLC. 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 Shipley Do-Nut SBA loans?

The median term is 10.3 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 Shipley Do-Nut franchise

SBA lenders have approved 28 loans against the Shipley Do-Nut brand since FY2010, totalling $18.6M. The median approval was $549,750. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#767

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$549,750

Typical range

$341K-$1.3M

Middle 80% of loans

Median term

10.3 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 Shipley Do-Nut

Lender	Loans	Approved
Stellar Bank	5	$3.8M
iTHINK Financial Credit Union	1	$1.8M
United Community Bank	1	$1.6M
Readycap Lending, LLC	1	$1.3M
Trustmark Bank	2	$1.2M
ConnectOne Bank	1	$980K
b1BANK	1	$810K
The Huntington National Bank	3	$777K

Geography

Where Shipley Do-Nut units were financed

State	Loans	Share
Texas	18
Colorado	2
Mississippi	2
Florida	2
Tennessee	1
North Carolina	1
Alabama	1
Georgia	1

Approvals by fiscal year

’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
4%
$150K - $350K
11%
$350K - $1M
71%
$1M - $2M
14%

Financing a Shipley Do-Nut: common questions

How much do lenders finance for a Shipley Do-Nut franchise?: The median SBA loan approved for a Shipley Do-Nut franchise is $549,750, with the middle 80% of loans between $341,000 and $1,290,700. 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 Shipley Do-Nut franchises?: By dollars approved, the most active SBA lenders for Shipley Do-Nut have been Stellar Bank, iTHINK Financial Credit Union, United Community Bank, Readycap Lending, LLC. 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 Shipley Do-Nut SBA loans?: The median term is 10.3 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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