Complete financing guide for McDonald's franchises. Calculate loan payments, understand investment requirements, and get connected with specialized lenders.
Range: $1,300,000 - $2,300,000
25% of total investment
SBA rates typically 6.5% - 9.5%
Average: $2,900,000
Typically 80-90% of revenue
Connect with McDonald's franchise lending experts who can help you secure the best rates and terms for your investment.
One-time fee paid to franchisor
Kitchen equipment, POS systems, furniture
Build-out, renovation, signage
Initial inventory, payroll, marketing
Training, permits, insurance
Cash and easily convertible assets
Total assets minus liabilities
Business or management experience preferred
The total investment for a McDonald's franchise ranges from $1.3M to $2.3M. This includes the $45,000 franchise fee, equipment ($1M-$1.6M), real estate improvements ($200K-$600K), and working capital ($100K-$200K). The exact amount depends on location, size, and local costs.
Yes! McDonald's is on the SBA's approved franchise list. SBA 7(a) loans can finance up to 90% of the project cost (10% down payment) with terms up to 25 years. This is often the best financing option due to lower down payment requirements and longer terms.
Most lenders require a minimum credit score of 680 for McDonald's franchise financing. Scores above 720 will qualify for the best rates. McDonald's itself requires good credit as part of their franchise approval process.
According to McDonald's FDD, the average gross revenue is $2.9M annually. After expenses, the average net income is approximately $290,000 (10% profit margin). However, profitability varies significantly by location, with top performers earning $500K+ annually.
SBA loans typically take 45-90 days for approval. Conventional bank loans can be faster at 30-45 days. The McDonald's franchise approval process itself takes 6-9 months, so it's important to start the financing process early in your franchise application.
Connect with franchise lending experts who specialize in McDonald's financing. Get pre-qualified and compare loan options from multiple lenders.