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Papa John'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 S1273)

63 deals since 2020 · typical deal $329K · 2.22% failure rate

63

Deals since 2020

$329K

Typical deal

8

Deals since FY2025

2.22%

Failure rate (FY20–23)

Papa John's's 2.22% failure rate sits in the normal range for franchises. Underwrite the location, not just the brand.

What buyers pay for Papa John's

Most Papa John's deals financed between $174K and $605K. Above $605K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$4,579
Down payment (10%)
$37K
Cash to close (all-in)
$49K

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 ~$49K)

Experience

Recent financings

  • Aleshire Enterprises LLC in Anoka, MN — $500K (2026) · Byline Bank
  • IT'S ONLY PAPA'S PIZZA, LLC in Dayton, KY — $100K (2026) · Fifth Third Bank
  • Papa North, LLC in Simi Valley, CA — $1.8M (2025) · purchase · Royal Business Bank
  • PJ ZYUS GROUP LLC in Rancho Palos Verdes, CA — $1.3M (2025) · purchase · Royal Business Bank
  • PJEJ CORP in Yucaipa, CA — $1.1M (2025) · purchase · Royal Business Bank
  • Papa Johns Pizza in Bethlehem, PA — $998K (2025) · Seacoast National Bank
  • JC Squared 2.0 LLC in Hudson, WI — $565K (2025) · purchase · Byline Bank
  • FERUM CORP in Spring Valley, NY — $132K (2025) · Webster Bank National Association
  • Papa Johns Pizza in Corona, CA — $1.2M (2024) · purchase · United Business Bank
  • SN Pizza Restaurants INC. in Paramount, CA — $830K (2024) · Columbia Bank

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

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Papa John's brand mark

Who funds Papa John's — and where

Every dot is a financed Papa John's — 63 mapped.

Financed Papa John's locations — list all 63 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(13)
  2. 2.United Business Bank(10)
  3. 3.Byline Bank(7)
  4. 4.Royal Business Bank(4)
  5. 5.Pinnacle Bank(3)

Most active states

  1. 1.California (14 loans)
  2. 2.Ohio (9 loans)
  3. 3.Minnesota (6 loans)
  4. 4.Georgia (5 loans)
  5. 5.New York (4 loans)
  6. 6.Wisconsin (4 loans)
  7. 7.Illinois (4 loans)
  8. 8.Virginia (2 loans)

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Common questions

How much does a Papa John's cost to buy or open?

The typical deal for Papa John's is $329K across 63 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $36K of buyer cash on a typical deal.

How risky is Papa John's?

2.22% of Papa John's's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Papa John's with an SBA loan?

Yes — Papa John's has been SBA-financed 8 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Papa John's franchise

Most Papa John'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 Papa John's deal financed for $329K, which points to about $36K of buyer cash on a typical purchase. Papa John's is listed in the SBA Franchise Directory (identifier S1273), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Papa John'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 Papa John'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 Papa John's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Papa John's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 63 SBA 7(a) deals since 2020
  • $329K typical deal
  • 8 deals since FY2025
  • 2.22% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S1273)
  • Top lenders: The Huntington National Bank, United Business Bank, Byline Bank

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 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/papa-john-s
API:
https://www.capbench.com/api/public/franchises/papa-john-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 Papa John's.

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