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McDonald's® Franchise Financing Solutions

Solutions Tailored to Your Needs

We understand that as a McDonald’s Owner/Operator, your financing needs differ from those of other businesses. Our representatives can help make your restaurant a success by providing a wide range of resources and expertise. Financing options include:

 

  • Competitive fixed- and adjustable-rate loans
  • 7-year terms
  • Up to 10-year terms for financing qualified expenses
  • 3-month interest-only solutions
  • Full range of business and personal financial solutions offered through local U.S. Bank branches
  • No application fee

Solution Terms and Required Documents

Acquiring a Restaurant


A term loan to acquire a McDonald’s restaurant:

  • 7-year terms
  • 3-month interest-only option

Required documents from borrowing operator:

  • Credit application
  • Personal financial statement
  • Last two fiscal year-end consolidated and individual profit-and-loss statements and balance sheets of all stores owned
  • Comparable interim (within 90 days of loan) consolidated and individual profit-and-loss statements and balance sheets for all stores owned
  • Most recently filed individual federal tax return
  • Last two years of pro-forma consolidated profit-and-loss statements
  • Copy of organizational documents and franchise agreement
  • Purchase and sales agreement

Required documents from selling operator:

  • Last two fiscal year-end consolidated and individual profit-and-loss statements
  • Interim (within 90 days of loan) consolidated and individual profit-and-loss statements

Rebuilding, Relocating, or New Restaurant Build


A term loan to rebuild or relocate a current restaurant, or build a new one:

  • 7-year terms
  • Up to 10-year terms for financing of qualified expenses
  • 3-month interest-only option

Required documents from borrowing operator:

  • All documents noted above for borrowing operator for acquisition loan
  • A detailed list of project costs

Remodeling


Financing for a major remodel or build on to an existing restaurant:

  • 7-year terms
  • 3-month interest-only option

Required documents from borrowing operator:

  • All documents noted above for borrowing operator for acquisition loan
  • A detailed list of project costs

Equipment Purchase


Financing to purchase restaurant equipment:

  • In addition to providing financing for all your equipment purchase needs, we also offer a credit facility (EQ Revolver) of up to $50,000 per restaurant for small equipment purchase needs

Working Capital Line of Credit

Capital to ease cash flow:

  • Up to $10,000 per restaurant, available only if financing is provided by U.S. Bank for the same location
  • Structured as a revolving line of credit
 

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. U.S. Bank is not a tax advisor. Consult your tax advisor regarding the deductibility of interest. Deposit Products offered by U.S. Bank National Association. Member FDIC.

Get Started

Online
Call Us
866-759-1282

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

McDonald's
 

FAQs

What information do I need to supply?
We’ll guide you through the process of providing the required credit information for your loan.

Can I lock in a fixed rate for a future funding?

Yes, rate locks are available. Contact a relationship manager for more details about extended and short-term rate locks.

See All FAQs

McDonald’s Franchise
Business Solutions Packages

Save money with the extra rewards, exclusive discounts and preferred rates available through this select set of customized solutions.

Get details (PDF).

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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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