Denny's, by the numbers
Denny's appears in 18 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S2351)
18 deals since 2020 · typical deal $1.1M
18
Deals since 2020
$1.1M
Typical deal
7
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Denny's
Most Denny's deals financed between $350K and $1.77M. Above $1.77M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $14,319
- Down payment (10%)
- $122K
- Cash to close (all-in)
- $167K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$167K)
Experience
Recent financings
- Great Rise LLC in Avenel, NJ — $2.7M (2026) · purchase · Columbia Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approved
- 3/4/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $3.0M
- Est. down payment (10%)
- $303K
- Est. cash at closing
- $419K
- Monthly payment
- $21,983
- Annual debt service
- $264K
- Cash flow needed (1.25×)
- $330K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Columbia Bank · Lender record →
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- ASA Ventures LLC in Bordentown, NJ — $1.8M (2026) · purchase · Columbia Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approved
- 3/5/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.0M
- Est. down payment (10%)
- $197K
- Est. cash at closing
- $270K
- Monthly payment
- $14,253
- Annual debt service
- $171K
- Cash flow needed (1.25×)
- $214K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Columbia Bank · Lender record →
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- Ohana Ktown Inc in Los Angeles, CA — $1.7M (2026) · purchase · Woori America Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approved
- 3/25/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 51
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $189K
- Est. cash at closing
- $260K
- Monthly payment
- $21,078
- Annual debt service
- $253K
- Cash flow needed (1.25×)
- $316K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Woori America Bank · Lender record →
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- EB Biz LLC in East Brunswick, NJ — $500K (2026) · purchase · Columbia Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approved
- 3/5/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $556K
- Est. down payment (10%)
- $56K
- Est. cash at closing
- $74K
- Monthly payment
- $6,334
- Annual debt service
- $76K
- Cash flow needed (1.25×)
- $95K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Columbia Bank · Lender record →
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- Dine' Bi Ghan Development, Inc. in Saint Michaels, AZ — $250K (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $188K (75%)
- Approved
- 1/28/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 45
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by First Bank of the Lake · Lender record →
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- E & J Hospitality, Inc. in Richland, WA — $1.0M (2025) · purchase · Washington Trust Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $756K (75%)
- Approval → funding
- 13 days
- Approved
- 6/20/2025
- First disbursed
- 7/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 39
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $112K
- Est. cash at closing
- $154K
- Monthly payment
- $12,498
- Annual debt service
- $150K
- Cash flow needed (1.25×)
- $187K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Washington Trust Bank · Lender record →
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- DennH2, LLC in Myrtle Beach, SC — $1.0M (2025) · Truliant FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $750K (75%)
- Approval → funding
- 40 days
- Approved
- 7/10/2025
- First disbursed
- 8/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 45
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Truliant FCU · Lender record →
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- DBJ US CORP in Miami Beach, FL — $1.3M (2024) · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 129 months
- SBA guaranteed
- $942K (75%)
- Approval → funding
- 49 days
- Approved
- 11/15/2023
- First disbursed
- 1/3/2024
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 34
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Lake Michigan CU · Lender record →
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- WDI Blue Heron, LLC in Riviera Beach, FL — $525K (2023) · iTHINK Financial CU
- Program
- 7a General
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $394K (75%)
- Approval → funding
- 36 days
- Approved
- 6/29/2023
- First disbursed
- 8/4/2023
- Loan status
- Paid in full (9/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by iTHINK Financial CU
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- TAC 8671. LLC in Salt Lake City, UT — $2.4M (2021) · America First FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 144 mo (12 yrs)
- SBA guaranteed
- $2.1M (90%)
- Approval → funding
- 2 days
- Approved
- 4/27/2021
- First disbursed
- 4/29/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 105
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by America First FCU
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Who funds Denny's — and where
Every dot is a financed Denny's — 17 mapped.
Financed Denny's locations — list all 17 as text
- TAC 8671. LLC — Salt Lake City · $2.4M · FY2021 · Full-Service Restaurants
- Denny's #6851 — Victorville · $1.1M · FY2021 · Full-Service Restaurants
- DennH2, LLC — Myrtle Beach · $1.0M · FY2025 · Full-Service Restaurants
- Dine' Bi Ghan Development, Inc. — Saint Michaels · $250K · FY2026 · Full-Service Restaurants
- Great Rise LLC — Avenel · $2.7M · FY2026 · Full-Service Restaurants
- EB Biz LLC — East Brunswick · $500K · FY2026 · Full-Service Restaurants
- Ohana Ktown Inc — Los Angeles · $1.7M · FY2026 · Full-Service Restaurants
- E & J Hospitality, Inc. — Richland · $1.0M · FY2025 · Full-Service Restaurants
- T1O, Inc. — Columbus · $2.0M · FY2020 · Full-Service Restaurants
- CDR Management LLC — Litchfield Park · $2.8M · FY2020 · Full-Service Restaurants
- MI5 Inc — Burnsville · $1.1M · FY2020 · Full-Service Restaurants
- DBJ US CORP — Miami Beach · $1.3M · FY2024 · Full-Service Restaurants
- WDI Blue Heron, LLC — Riviera Beach · $525K · FY2023 · Full-Service Restaurants
- Canby-Denn, Inc. — Canby · $350K · FY2020 · Full-Service Restaurants
- DECCA ENTERPRISE, INC. — Puyallup · $100K · FY2020 · Full-Service Restaurants
- SEASKY INC — Bonney Lake · $100K · FY2020 · Full-Service Restaurants
- SK Restaurants — Spanaway · $100K · FY2020 · Full-Service Restaurants
Top lenders for this brand
Most active states
- 1.Washington (4 loans)Denny's lenders in Washington->
- 2.New Jersey (3 loans)Denny's lenders in New Jersey->
- 3.California (2 loans)Denny's lenders in California->
- 4.Arizona (2 loans)Denny's lenders in Arizona->
- 5.Florida (2 loans)Denny's lenders in Florida->
- 6.Utah (1 loans)Denny's lenders in Utah->
- 7.South Carolina (1 loans)Denny's lenders in South Carolina->
- 8.Ohio (1 loans)Denny's lenders in Ohio->
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Common questions
How much does a Denny's cost to buy or open?
The typical deal for Denny's is $1.1M across 18 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $120K of buyer cash on a typical deal.
How risky is Denny's?
Denny's has 18 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Denny's with an SBA loan?
Yes — Denny's has been SBA-financed 7 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Denny's franchise
Most Denny's buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Denny's deal financed for $1.1M, which points to about $120K of buyer cash on a typical purchase. Denny's is listed in the SBA Franchise Directory (identifier S2351), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Denny's — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Denny's — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Denny's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Denny's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 18 SBA 7(a) deals since 2020
- $1.1M typical deal
- 7 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2351)
- Top lenders: Columbia Bank, KeyBank National Association, America First FCU
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-27.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Denny's.