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Denny’s franchise financing options

Compare costs, fees and where to get financing for a Denny's.

Overall costs for Dennyu2019s run anywhere from $910,529 to $1,789,696. See how the costs break down and what funding options might be right for your new venture into the franchise foray.

Estimated initial costs

Our cost estimates are accurate as of 2021 from Franchise Direct and include opening fees and expenses only. The location you choose for your Dennyu2019s franchise may result in higher or lower fees.

Franchise fees

Dennyu2019s franchise fees total around $20,000, which beats out the $37,000 average for the 200 largest franchises nationwide.
Franchise Cost
Initial franchise fee $10,000 to $30,000
Royalty 4.5% - 7% of Gross Sales.
Estimated total $10,000 to $30,000

Equipment fees

Equipment fees total $485,497 for Dennyu2019s. This costs more than the $180,023 average for the top 200 franchises.
Equipment Cost
Equipment, fixtures and furnishings $350,000 to $450,000
Signs $20,000 to $90,000
DINE point-of-sale systems $20,000 to $40,000
Opening menus $413 to $580
Estimated total $390,413 to $580,580

Real estate fees

Real estate will set you back $772,500 for Dennyu2019s, thought it's less than the average of $788,376 for the top 200 franchises.
Real estate Cost
Site improvements $0 to $300,000
Building and improvements $475,000 to $700,000
Architectural design $0 to $45,000
Security deposits $10,000 to $15,000
Rent Varies depending on type of lease.
Estimated total $485,000 to $1,060,000

Training fees

Dennyu2019s initial training costs total $18,000 — more than the nationwide average of $9,788.
Training Cost
New restaurant opening training team $0 to $36,000
Estimated total $0 to $36,000

Inventory costs

Initial inventory for Dennyu2019s shakes out to $22,616. This is less than the nationwide average of $53,119.
Inventory Cost
Opening inventory and supplies $17,000 to $28,000
Opening gift cards $115.50 to $115.50
Estimated total $17,116 to $28,116

Marketing costs

Advertisement and marketing costs total up to $4,000 for Dennyu2019s, beating out the nationwide average of $9,938.
Marketing Cost
Opening advertising $3,000 to $5,000
Estimated total $3,000 to $5,000

Licenses and permits costs

Dennyu2019s initial licenses and permits will set you back $27,500. This comes out to more than $18,770 — the overall nationwide average.
Licenses and permits Cost
Permits $5,000 to $50,000
Estimated total $5,000 to $50,000
All costs were found using the 200 largest franchises nationwide using Franchise Direct's list of more than 300 franchises, and are accurate as of 2021.

How to finance

Since the estimated total for Dennyu2019s is on the more costly side, we recommend following these steps to get fully financed:
  1. Go to the Dennyu2019s franchising website and review its financial requirements, including cash-on-hand requirements.
  2. Reach out to Dennyu2019s about in-house financing for franchisees.
  3. If in-house financing isn't available, look for online loans, bank loans and SBA loans to help meet the $1,350,112 estimated opening costs.
  4. Compare lenders based on amounts, interest rates and what types of personal and business credit history they accept.
  5. Once you settle on a lender, gather all required documents, including account statements and assets.
  6. Apply for financing online or in person as required by the lender.

What types of financing is available?

You have several options when it comes to financing a Dennyu2019s — even if the cost is on the heavier side. What assets you have available will largely determine how much you need to borrow, and which option suits you best.
  • Online loan. A number of online business lenders offer amounts up to $1 million, with some extending up to $5 million.
  • Bank loan. Your personal credit will typically need to at least be good — 670 or higher — when it comes to getting a bank loan large enough to cover a significant portion of Dennyu2019s opening costs.
  • SBA loan. While your personal credit score doesn't need to be as good to qualify for an SBA loan, they usually cost more than standard term loans from banks or online lenders.
Also check if Dennyu2019s franchise financing is available. You may be able to get some of the costs covered for less than you would with other traditional funding options.

Compare small business lenders

You may not need financing to cover the estimated $910,529. But if you need funds for other business ventures, select the loan amount, your time in business and revenue and your personal credit score to compare a selection of lenders.
Name Product Filter Values Min. Amount Max. Amount Requirements
Fora Financial business loans
6+ months in business, $12,000+ monthly revenue, no open bankruptcies
Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.
Lendio business loans
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
National Funding business loans
Be in business at least one year and make at least $150,000 in annual sales. Other loan types have additional requirements.
Working capital loans and equipment financing, some high-risk industries may be eligible.
Fundbox lines of credit
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.
Bitty Advance business cash advances
$5,000 monthly bank revenue, 6+ months in business, business bank account open 3+ months, 450+ credit score
With APRs in the triple digits, this is best saved as a last resort.

Compare up to 4 providers

How Dennyu2019s stacks up

Compare how Dennyu2019s holds up against two similarly sized franchises.
Applebeeu2019s Dennyu2019s Anago Cleaning
Average Franchise fees $47,500 $20,000 $98,000
Average Equipment fees $642,500 $485,497 $28,500
Average Real estate fees $3,003,000 $772,500 $25,000
Average Training fees NA $18,000 $2,500
Average Inventory fees $36,400 $22,616 NA
Average Marketing fees $22,500 $4,000 $75,000
Average Licenses and permits fees $538,500 $27,500 NA
Average Insurance fees NA NA NA
Average Admin fees $2,278 NA $11,000
Average Personnel fees NA NA NA
Average Other fees $728,050 NA $60,000

Bottom line

Dennyu2019s franchise costs run a total of $1,350,112. Before you decide to become a franchisee, compare the total costs against industry averages. And to learn more about financing read our guide to franchise financing.

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