Waffle House, 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 S5182)
1 deals since 2020 · typical deal $250K
1
Deals since 2020
$250K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Waffle House
Most Waffle House deals financed between $250K and $250K. Above $250K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,696
- Down payment (10%)
- $28K
- Cash to close (all-in)
- $37K
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 ~$37K)
Experience
Recent financings
- The Waffle Company, LLC in Mount Vernon, IL — $250K (2024) · Peoples National Bank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 22 days
- Approved
- 5/8/2024
- First disbursed
- 5/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Peoples National Bank National Association · Lender record →
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Who funds Waffle House — and where
Every dot is a financed Waffle House — 1 mapped.
Financed Waffle House locations — list all 1 as text
- The Waffle Company, LLC — Mount Vernon · $250K · FY2024 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Illinois (1 loans)
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Common questions
How much does a Waffle House cost to buy or open?
The typical deal for Waffle House is $250K across 1 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $28K of buyer cash on a typical deal.
How risky is Waffle House?
Waffle House has 1 SBA loan 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 Waffle House with an SBA loan?
Yes — Waffle House has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Waffle House franchise
Most Waffle House 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 Waffle House deal financed for $250K, which points to about $28K of buyer cash on a typical purchase. Waffle House is listed in the SBA Franchise Directory (identifier S5182), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Waffle House — 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 Waffle House — 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 Waffle House — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Waffle House is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 1 SBA 7(a) deal since 2020
- $250K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S5182)
- Top lenders: Peoples National Bank National Association
- 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.
- 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 Waffle House.