Food & Restaurants · lender intelligence

How to finance a Denny's

State:

The SBA 7(a) lenders funding the most Denny's deals, ranked from public loan records — typical Denny's loan about $1.1M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Denny's

$1.09M

Typical loan

range $350K–$1.77M

$1.22M

Est. purchase price

≈ loan ÷ 90%

$166,836

Cash to close

$121,667 down + fees

$14,169/mo

Typical payment

~9.5% · 10yr

$195,532/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

36 days

Typical time to fund

Lenders competing

more = leverage

7.23%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Denny's

Ranked by funded Denny's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.13 loans · $18M · Roseburg, ORFull record →
2.328 loans · $134M · Cleveland, OHFull record →
3.1,025 loans · $292M · Berkeley Heights, NJFull record →
4.57 loans · $74M · Winston-Salem, NCFull record →
5.318 loans · $229M · Osage Beach, MOFull record →
6.58 loans · $53M · New York, NYFull record →
7.44 loans · $25M · Spokane, WAFull record →
8.149 loans · $135M · Mukwonago, WIFull record →
9.1 loans · $2M · Exton, PAFull record →
10.19 loans · $18M · Grand Rapids, MIFull record →

18+ funded Denny's deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

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
Denny's #6851 in Victorville, CA — $1.1M (2021) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$986K (90%)
Approval → funding
1 days
Approved
4/29/2021
First disbursed
4/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
CDR Management LLC in Litchfield Park, AZ — $2.8M (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
4.15% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
50 days
Approved
9/11/2020
First disbursed
10/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
T1O, Inc. in Columbus, OH — $2.0M (2020) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
312 mo (26 yrs)
SBA guaranteed
$1.5M (75%)
Approved
4/28/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
81
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
MI5 Inc in Burnsville, MN — $1.1M (2020) · First Resource Bank
Program
7a General
Rate at approval
4.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$861K (75%)
Approval → funding
32 days
Approved
9/29/2020
First disbursed
10/31/2020
Loan status
Paid in full (12/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
250
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by First Resource Bank · Lender record →
Your business? Claim this record · Request removal
Canby-Denn, Inc. in Canby, OR — $350K (2020) · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
23 days
Approved
4/7/2020
First disbursed
4/30/2020
Loan status
Paid in full (5/31/2022)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
80
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
DECCA ENTERPRISE, INC. in Puyallup, WA — $100K (2020) · KeyBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.35% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
112 days
Approved
4/10/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
45
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
SEASKY INC in Bonney Lake, WA — $100K (2020) · KeyBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.35% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
20 days
Approved
4/10/2020
First disbursed
4/30/2020
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
35
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
SK Restaurants in Spanaway, WA — $100K (2020) · KeyBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.35% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
112 days
Approved
4/10/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
40
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Denny's? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Denny's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Denny's purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Columbia Bank funds the most. CapBench is not a lender.

$1.1M typical Denny's loan
13 lenders fund the brand
36 days typical to fund

Buyers researching a Denny's typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Denny's record

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/lenders/franchise/denny-s
API:: https://www.capbench.com/api/public/lenders?franchise=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.