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✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:4.78%↓✦10 Yr Treasury:4.96%↓✦30 Yr Treasury:5.29%↓✦30 Yr Mortgage:7.32%·Updated Oct 22, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:4.78%↓✦10 Yr Treasury:4.96%↓✦30 Yr Treasury:5.29%↓✦30 Yr Mortgage:7.32%·Updated Oct 22, 2026
Rates
Tim Hortons USA

Tim Hortons USA

The total investment to open a Tim Hortons USA franchise ranges from $131,000 to $2.2M. The initial franchise fee is $50,000. Ongoing royalties are 4.5% plus a 4% advertising fee.

What is the Tim Hortons USA franchise?

Tim Hortons USA sells coffee, baked goods and quick meals to customers. The estimated total initial investment is $131,000 to $2,178,000, and the initial franchise fee is $50,000, according to the 2026 Franchise Disclosure Document.

The royalty is 4.5 percent of sales, and the advertising or brand fund fee is 4 percent. The franchise agreement term is 20 years. The headquarters is in Miami, FL, and the brand was founded in 1964.

Loan Activity Score

53/100

SBA Default Rate

0.0%

Active Lenders

18

According to its Franchise Disclosure Document or public business records, Tim Hortons USA has 30 locations, all owned by franchisees. Public SBA loan records show 18 lenders made 38 loans to franchisees of Tim Hortons USA. PeerSense calculates Tim Hortons USA's score as 53 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.

2026 FDD VERIFIEDLimited-Service Restaurants

Franchising since 1964 · 30 locations

Investment

$131,000 to $2.2M

Franchise Fee

$50,000

Total Units

30

30 franchised

Loan Activity Score
High
53
SBA Lending
25
Lender Quality
11
Transparency
9
Reach
5
Momentum
3

Proprietary PeerSense metric

Moderate
Capital Sources
18SBA lenders

Distinct lenders in public SBA records for Tim Hortons USA

38

Total SBA loans

$482K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for Tim Hortons USA

Loan Activity Score Breakdown

Established (25 to 99 loans)

High Confidence
53out of 100
Moderate
Market Momentum3/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety25/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence11/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency9/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint5/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

0.0%

vs 10.3% peer avg

SBA Loans

38

Total Volume

$18.3M

Active Lenders

18

3 selective

States

6

vs. SBA Sector Average

+10.3%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (0.0%)
Item 19 financial data disclosed

Franchise Financing Resources

SBA Loan Calculator| Franchise Funding Options| SBA Loans| Business Acquisition Financing| Equipment Financing| Bridge Loans| Compare 899 SBA Lenders| Free Deal Scan| How to Read an FDD
Related: Commercial Real Estate Loans| Private Credit

Data Insights

Key performance metrics for Tim Hortons USA based on SBA lending data

SBA Default Rate

0.0%

10.3% below peer avg

SBA Loan Volume

38 loans

Across 18 lenders

Lender Diversity

18 lenders

Avg 2.1 loans per lender

Investment Tier

Premium investment

$131,000 to $2,178,000 total

Payment Estimator

Loan Amount$105K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,356

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

Tim Hortons USA, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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1 FDD Available for Tim Hortons USA

Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.

Tim Hortons USA

Page Review

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