Denny's, by the numbers

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

Deals since 2020

$1.1M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Denny's has 18 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

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.

Your deal size$1.09M

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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
Your business? Claim this record · Request removal
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
Your business? Claim this record · Request removal

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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)
2.New Jersey (3 loans)
3.California (2 loans)
4.Arizona (2 loans)
5.Florida (2 loans)
6.Utah (1 loans)
7.South Carolina (1 loans)
8.Ohio (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Denny's 4 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Denny's lending specialist.

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

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/denny-s
API:: https://www.capbench.com/api/public/franchises/denny-s
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.