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IHOP, by the numbers

IHOP appears in 22 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 S0846)

22 deals since 2020 · typical deal $1.3M

22

Deals since 2020

$1.3M

Typical deal

2

Deals since FY2025

—

Too few deals to score risk

IHOP has 22 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 IHOP

Most IHOP deals financed between $609K and $2.04M. Above $2.04M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$16,346
Down payment (10%)
$139K
Cash to close (all-in)
$190K

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 ~$190K)

Experience

Recent financings

  • Cal-Hope, Inc. in Anaheim, CA — $1.1M (2026) · Hanmi Bank
  • H & M RESTAURANT CORP in Martinez, CA — $50K (2025) · U.S. Bank, National Association
  • ALVAREZ SC 599, LLC in Myrtle Beach, SC — $1.1M (2024) · purchase · Seacoast National Bank
  • IHOP in Port Jefferson Station, NY — $1.6M (2023) · Newtek Small Business Finance, Inc.
  • IHOP in Port Jefferson Station, NY — $1.6M (2023) · Newtek Bank, National Association
  • King Star Enterprises, Inc. in Cockeysville, MD — $1.3M (2023) · Truist Bank
  • GNR INC in Puyallup, WA — $625K (2023) · KeyBank National Association
  • GNR INC in Puyallup, WA — $625K (2023) · KeyBank National Association
  • Ozerovsky's Family Enterprise Inc in Yonkers, NY — $204K (2023) · Equity Bank
  • Harvest Gordonsville LLC in Zion Crossroads, VA — $2.0M (2022) · Genisys CU

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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IHOP brand mark

Who funds IHOP — and where

Every dot is a financed IHOP — 22 mapped.

Financed IHOP locations — list all 22 as text

Top lenders for this brand

  1. 1.Pinnacle Bank(3)
  2. 2.KeyBank National Association(2)
  3. 3.Genisys CU(2)
  4. 4.Harvest Small Business Finance, LLC(2)
  5. 5.TD Bank, National Association(1)

Most active states

  1. 1.New York (5 loans)IHOP lenders in New York->
  2. 2.Georgia (4 loans)IHOP lenders in Georgia->
  3. 3.Maryland (2 loans)IHOP lenders in Maryland->
  4. 4.California (2 loans)IHOP lenders in California->
  5. 5.Washington (2 loans)IHOP lenders in Washington->
  6. 6.Pennsylvania (1 loans)IHOP lenders in Pennsylvania->
  7. 7.Colorado (1 loans)IHOP lenders in Colorado->
  8. 8.Texas (1 loans)IHOP lenders in Texas->

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Common questions

How much does a IHOP cost to buy or open?

The typical deal for IHOP is $1.3M across 22 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $138K of buyer cash on a typical deal.

How risky is IHOP?

IHOP has 22 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 IHOP with an SBA loan?

Yes — IHOP has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a IHOP franchise

Most IHOP 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 IHOP deal financed for $1.3M, which points to about $138K of buyer cash on a typical purchase. IHOP is listed in the SBA Franchise Directory (identifier S0846), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund IHOP — 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 IHOP — 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 IHOP — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. IHOP is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 22 SBA 7(a) deals since 2020
  • $1.3M typical deal
  • 2 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S0846)
  • Top lenders: Pinnacle Bank, KeyBank National Association, Genisys CU

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-01.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/ihop
API:
https://www.capbench.com/api/public/franchises/ihop
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 IHOP.

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