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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
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Restaurant Franchises

1,200 restaurant franchise brands with investment costs, SBA loan data, and FPI performance scores.

1,200 BrandsAvg. Investment: $318,173 to $954,07339,257 SBA Loans246 FDDs Available

Restaurant franchise costs and SBA lending at a glance

The median low end of the initial investment range is $197K, and the median high end is $636K, based on franchise disclosure documents from 914 brands with investment data on file. We list 1,200 restaurant franchise brands, and public SBA 7(a) and 504 records show an average loan size of $376K across 39,257 loans totaling $14.8B. The SBA figures cover approvals through December 31, 2025, while franchise fees and royalty figures come from brand disclosures.

Initial investment, franchise fee and royalty come from franchise disclosure documents on file; SBA loan counts and the average SBA loan come from public SBA 7(a) and 504 loan records through December 31, 2025.

Includes categories:Limited-Service RestaurantsFull-Service Restaurants

Restaurant Franchise Brands

This table shows the 25 brands with the most SBA loans in the category; select a header to sort the table.

Subway$263K to $630K$15K8%6,080$195K3,93660
Quiznos$37K to $269KNot Disclosed5%2,764$151K1,92441
Dairy Queen$549K to $2.5M$45K4%2,005$398K1,57560
Jimmy John's$25K to $366K$35K6%1,071$433K2,68958
Domino's Pizza$156K to $744K$25K5.5%880$233K91343
Baskin-Robbins$307K to $623K$25K5.9%775$273K97664
Smoothie King$312K to $1.4M$30K6%707$272K52968
Firehouse Subs$92K to $825K$20K6%698$307K58059
Schlotzsky's$153K to $2.4M$36K6%532$407K44749
Marco's Pizza$287K to $807K$25K5.5%499$353K41468
Papa Murphy's$108K to $396K$51K10%480$204K40350
Jersey Mike's$186K to $1.4M$20K6.5%463$402K2,98968
Cicis Pizza$695K to $1M$30K5%437$301K36226
Burger King$25K to $2M$25K4.5%419$672K32260
Zaxby's$273K to $2.9M$35K6%393$923K29158
Culver's$2.6M to $8.6M$65K4%363$1.5M76561
Tropical Smoothie Cafe$341K to $815K$35K6%363$443K31870
Arby's$645K to $2.5M$38K4%330$583K3,36557
Golden Corral$400K to $2.7M$50K4%315$1.2M21859
Wingstop$298K to $1M$20K6%292$246K24438
Denny's$150K to $1.6M$30K5%282$721K23759
Dickey's Barbecue Pit$122K to $529K$15K6%270$340K18149
Naturals2go$75K to $150K$75KNot Disclosed265$127K26277
Menchies$30K to $424K$26K6%258$279K19851
TCBY$135K to $699K$35K6%247$153K18831

Initial investment, franchise fee and royalty come from franchise disclosure documents on file; SBA loan counts and the average SBA loan come from public SBA 7(a) and 504 loan records through December 31, 2025.

All Restaurant Franchise Brands

Sorted by SBA loan volume

This page shows brands 1 to 150 of 1,200, ordered by SBA loan count.

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Frequently Asked Questions About Restaurant Franchises

How much does it cost to open a restaurant franchise?

Costs vary by concept, format, site, and build out needs. Across 914 brands with investment data from franchise disclosure documents, the median low end is $197K and the median high end is $636K. The median initial franchise fee is $35K.

What are the main restaurant franchise categories?

The two main categories are limited service restaurants and full service restaurants. Limited service concepts include fast food, fast casual, and counter service formats. Full service concepts provide sit down dining with wait staff, and their investment needs can differ from limited service concepts.

Can I use an SBA loan to buy a restaurant franchise?

Yes, restaurant franchises can be financed with SBA 7(a) loans, and SBA 504 loans also appear in the public records we track. Those records include 1,184 brands, 39,257 loans, and $14.8B in total loan volume. PeerSense is an advisory desk, not the lender.

Which restaurant franchise brands have the most SBA loan activity?

In the public SBA 7(a) and 504 records, Subway has 6,080 loans, Quiznos has 2,764, and Dairy Queen has 2,005. The records cover approvals through December 31, 2025 and show historical activity, not a promise of approval for a new purchase.

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About Restaurant Franchises on PeerSense

Compare restaurant franchise opportunities including fast food, fast casual, and full service dining brands. View investment costs, SBA loan history, and FPI scores for every restaurant franchise.

PeerSense tracks 1,200 restaurant franchise brands with real SBA lending data, Franchise Performance Index (FPI) scores, and investment details sourced from Franchise Disclosure Documents. Unlike other franchise directories, our data comes from actual loan performance, not franchise marketing materials.

Each franchise profile includes SBA loan volume and trends, default rates, lender diversity, geographic distribution, and FDD sourced investment ranges. Use this data to compare restaurant franchise opportunities, identify top performing brands, and find SBA lenders who actively fund this category.

Ready to research a specific restaurant franchise? Click any brand above to view its full profile, or browse the full franchise directory with 6,300+ brands across all categories.

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