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McDonald's Franchise Financing FAQs

If you don't find the answers to your questions here, email us or call 866-759-1282.

  • We provide financing for the acquisition of a restaurant; the rebuilding, remodeling or relocating of an existing restaurant; the building of a new restaurant; equipment purchases; or the refinancing of existing debt related to your McDonald’s restaurants.

  • We provide adjustable and flexible fixed-rate loans. We offer financing terms of up to seven years (84 months) on standard loans, and up to ten years on other credit applications.
    • Existing New Economic Program (NEP) loans may be refinanced for a period of not longer than seven years or for the period of the remaining loan term, whichever is less. Equipment loan financing is generally available for a maximum term of seven years, depending on the nature of the request.
    • Building, site work and co-investment loan financing is typically available for a maximum term of ten years,
    • Term limits are set by the McDonald's Corporation.
  • If you need financing to build a new restaurant or acquire an existing one, we offer a 90- or 120-day staged advance credit line with interest-only payments at the start of the loan term. At the end of that period, your loan becomes fully amortized, with monthly payments that include both principal and interest. Term limits are set by the McDonald’s Corporation.
  • We bill principal plus interest on all adjustable-rate loans, with interest computed on the number of days in the billing period. As such, the payment amount can change monthly. However, because the outstanding principal balance typically decreases every month, the loan payment amount also decreases. The loan payment date can be established according to your preference.
  • Payments are fixed. The amortization rate is established at or around the time your loan is funded, so you will know the exact payment amount being debited from your account each month.
  • First, contact your relationship manager to determine if a breakage fee will apply. Second, ask your accountant to determine whether the new rate, including the breakage fee, will benefit you financially. Once you've completed both steps, contact your U.S. Bank McDonald's relationship manager to review your refinancing options.
  • Yes, a working capital line of credit of up to $10,000 is available per restaurant. The borrower is required to have a zero balance on the credit line for 30 consecutive days at least once during the calendar year. Term limits are set by the McDonald's Corporation.
  • Yes, rate locks are available. Contact a relationship manager at 866-759-1282 for more details about extended and short-term rate locks.
  • You can download an application or call your relationship manager at 866-759-1282 and ask to have an application sent to you by email, fax or mail. We do not charge an application fee.
  • You can fax your completed application to your McDonald’s Franchise Financing relationship manager or send by U.S. mail:


    Rocky Perkins

    West Division

    Fax: 866-759-1282

    Joshua Rouswell

    Central Division

    Fax: 866-940-4556

    Casey Christy

    East Division

    Fax: 866-940-4562


    U.S. Bank

    McDonald's Franchise Financing

    Strategic Alliances-Consumer Banking

    425 Walnut Street, 9th Floor

    Cincinnati, Ohio 45202

  • Yes. We will check your personal credit rating to determine approval of your loan.

  • Franchisees must provide U.S. Bank McDonald’s Franchise Financing with copies of consolidated and individual financial statements (profit-and-loss statements and balance sheets) annually throughout the life of the loan. As noted in the loan documents, these statements are due 120 days after the end of the franchisee’s fiscal year. Quarterly financial reporting may be required on larger relationships.
  • Adjustable-rate loans may be prepaid at any time without penalty. You may prepay fixed-rate notes in full at any time during the life of the loan, however, a breakage cost may be charged at the time of payment. Also, partial prepayments can be accommodated on fixed-rate loans if desired, with a slight increase in interest rate.
  • Yes, we allow the use of the equity in existing restaurants to serve as the equity requirement for acquiring an additional restaurant or restaurants.

Get Started

Want help with the application process? Call 866-759-1282 to contact a relationship manager, or download an application (PDF).

The Golden Arches logo and McDonald's are trademarks of McDonald's Corporation and its affiliates. Used with permission.

Subject to credit approval. Other conditions and fees may apply. U.S. Bank is not responsible for and does not guarantee the products, service or performance of its affiliates or third parties. Deposit Products offered by U.S. Bank National Association. Member FDIC.

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U.S. Bank is an approved lender for McDonald’s Franchisees.


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Customer Support

Questions about billing, payments or your statement? Contact Business Service Center at 800-673-3555 between 8 a.m. - 7:30 p.m. CT, Monday through Friday.

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