Krispy Kreme Doughnuts
The total investment to open a Krispy Kreme Doughnuts franchise ranges from $319,300 to $1.2M.
What is the Krispy Kreme Doughnuts franchise?
Krispy Kreme Doughnuts is a doughnut and coffee shop business serving customers. The estimated total initial investment to open is $319,300 to $1,197,110.
The brand was founded in 1933 and is headquartered in FL.
Loan Activity Score
51/100
SBA Default Rate
0.0%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, Krispy Kreme Doughnuts has 11 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 7 loans to franchisees of Krispy Kreme Doughnuts. PeerSense calculates Krispy Kreme Doughnuts's score as 51 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1933 · 11 locations
$319,300 to $1.2M
11
11 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Krispy Kreme Doughnuts
7
Total SBA loans
$474K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Krispy Kreme Doughnuts
Loan Activity Score Breakdown
Emerging (3 to 9 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 10.3% peer avg
SBA Loans
7
Total Volume
$3.3M
Active Lenders
7
States
6
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Krispy Kreme Doughnuts based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
7 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 1.0 loans per lender
Investment Tier
Premium investment
$319,300 to $1,197,110 total
Krispy Kreme Doughnuts: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2018
2 approvals. The best year on record for Krispy Kreme Doughnuts.
Top SBA State
Texas
3 SBA financed Krispy Kreme Doughnuts locations, the densest operator footprint.
Average Loan Size
$873K
Median $715K. Use as a sizing anchor when modeling your own Krispy Kreme Doughnuts unit.
Lender Concentration
28.6%
Moderately Spread
Share of Krispy Kreme Doughnuts approvals captured by the top 3 SBA lenders.
Krispy Kreme Doughnuts's SBA lending pipeline peaked in 2018 (2 approvals). Operator density is highest in Texas with 3 SBA financed locations. Average funded ticket sits at $873K, with the median at $715K. Lender mix is moderately spread: the top three SBA lenders account for 28.6% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$3,305
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Krispy Kreme Doughnuts, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman