McDonald’s® Franchise Financing: Commercial Lending

What do you need to finance for your McDonald’s franchise?

Acquire

Understand all your franchise financing options as you embark on one of the most exciting investments of your career.

Build or relocate

Support your growth with a franchise financing program that fits your goals and budget.

Remodel

Keep your McDonald’s looking sharp with interior and exterior leasehold improvements, including new furniture, fixtures, services and equipment.

Purchase equipment

Deliver a better customer experience with new food service equipment, business information systems and technology.

What’s available with franchise financing through the U.S. Bank McDonald’s group ?

Competitive fixed- and adjustable-rate loans
7-year terms
Up to 10-year terms with exception and for co-investment expenses
3-month interest-only options
Working capital line of credit availability
Credit facility (EQ Revolver) options for small equipment purchase needs
Business credit card
Exclusive pricing for deposit and treasury services
Wealth management, including estate and trust planning, investments and private wealth

Picture of McDonald’s employee handing a McDonald’s bag to a customer.

Banking services to power your working capital needs.

From streamlining your payments system to managing your payables, innovative payments and cash management tools from U.S. Bank can help your business realize its full potential:

Three men and a woman standing with the Hamburglar from McDonald’s.

Meet our relationship managers.

We love working with McDonald’s owner/operators and being part of helping businesses grow. You can reach out to our team using the information below. And, if you see us at an event, stop by and say hello!

RELATIONSHIP MANAGER

Alma Winkel

West Zone and Florida

Email Alma Winkel

RELATIONSHIP MANAGER

Casey Christy

East Zone and Upper Denver Field Office

Email Casey Christy

PROGRAM MANAGER

Rocky Perkins

Dallas and Denver Field Office

Email Rocky Perkins

What Owner/Operators are saying

“Since partnering with U.S. Bank both for acquisitions and daily banking needs, I have found that they are not just another bank, they are truly a partner. They understand the needs of the business owner and the business. It is wonderful to work with them. They have always delivered and we are grateful.”

- Sam Thiara, McDonald’s Owner/Operator

“U.S. Bank has been a tremendous partner for me as a newer Owner/Operator. They have taken calculated risks on me when it made sense and helped keep me grounded and make intelligent decisions through every financing situation. Turnaround times are efficient and the work is consistently thorough.

- Matthew Dodd, McDonald’s Owner/Operator

Proudly supporting Ronald McDonald House Charities.

U.S. Bank and the U.S. Bank Foundation are longstanding supporters of RMHC.

10,250 hours volunteered by U.S. Bank employees since 2011
$510,800 donated by the U.S. Bank Foundation since 1993
$353,500 donated by U.S. Bank since 2016

Insights to help your McDonald’s franchise succeed

PAYMENTS FRAUD

Protect your restaurants from relentless scammers

With payroll checks vulnerable to theft and forgery, you should reduce risk and prepare for attacks so you can continue serving customers.

How to fight payments fraud

RISK MANAGEMENT

Identifying risk helps you stay open and serving.

From injuries and property damage to business and service interruptions, risk cannot be avoided, though owners/operators can manage it effectively.

Read the guide to risk management

Pay your hourly workers the way they want to be paid.

New digital payroll solutions are helping franchisees stay competitive in the labor market while saving employees time and money with prepaid payroll debit cards. Reduce costs and pay employees on the spot with the U.S. Bank Focus Card.

Contact our McDonald’s franchising team.

Please complete this contact form and one of our McDonald’s franchise program team members will reach out to you promptly, or you can call us at 866-759-1282.

First name

Last name

Company name

Title

Phone number

Country

State

Please tell us about your McDonald’s franchisee banking needs.

By providing us with an email address you are expressly consenting to receiving email communications including but not limited to marketing material/advertising, promotions, sales campaigns, and questioner/research surveys.

By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to cellular number, you are expressly consenting to receiving communications – including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system – from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.

U.S. Bank is an Approved Lender for McDonald’s Owners/Operators.

Disclosures

Investment products and services are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency

Equal Housing Lender

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

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.

The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Member FDIC.