Food & Restaurants · lender intelligence

How to finance a IHOP

State:

The SBA 7(a) lenders funding the most IHOP deals, ranked from public loan records — typical IHOP loan about $1.3M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance IHOP

$1.25M

Typical loan

range $609K–$2.04M

$1.39M

Est. purchase price

≈ loan ÷ 90%

$190,452

Cash to close

$138,889 down + fees

$16,175/mo

Typical payment

~9.5% · 10yr

$223,215/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

7.17%

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 IHOP

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

1.1 loans · $1M · Lincoln, NEFull record →
2.328 loans · $134M · Cleveland, OHFull record →
3.2 loans · $1M · Auburn Hills, MIFull record →
4.291 loans · $320M · Laguna Hills, CAFull record →
5.1,322 loans · $185M · Wilmington, DEFull record →
6.34 loans · $57M · Charlotte, NCFull record →
7.16 loans · $6M · Andover, KSFull record →
8.139 loans · $102M · Los Angeles, CAFull record →
9.16 loans · $18M · Chicago, ILFull record →
10.32 loans · $54M · Tupelo, MSFull record →
11.23 loans · $30M · Stuart, FLFull record →
12.3,264 loans · $846M · Miami, FLFull record →
13.61 loans · $67M · Los Angeles, CAFull record →
14.25 loans · $29M · Jersey City, NJFull record →

22+ funded IHOP 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.

Cal-Hope, Inc. in Anaheim, CA — $1.1M (2026) · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$829K (75%)
Approved
3/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
H & M RESTAURANT CORP in Martinez, CA — $50K (2025) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.24% fixed
Term
48 mo (4 yrs)
SBA guaranteed
$25K (50%)
Approved
9/23/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
ALVAREZ SC 599, LLC in Myrtle Beach, SC — $1.1M (2024) · purchase · Seacoast National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$827K (75%)
Approval → funding
0 days
Approved
11/24/2023
First disbursed
11/24/2023
Loan status
Payments deferred
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
46
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$122K
Est. cash at closing
$168K
Monthly payment
$15,025
Annual debt service
$180K
Cash flow needed (1.25×)
$225K
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 Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
IHOP in Port Jefferson Station, NY — $1.6M (2023) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
128 months
SBA guaranteed
$1.2M (75%)
Approved
3/11/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
140
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
IHOP in Port Jefferson Station, NY — $1.6M (2023) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
128 months
SBA guaranteed
$1.2M (75%)
Approval → funding
17 days
Approved
7/21/2023
First disbursed
8/7/2023
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
140
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
King Star Enterprises, Inc. in Cockeysville, MD — $1.3M (2023) · Truist Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
126 months
SBA guaranteed
$938K (75%)
Approval → funding
6 days
Approved
12/6/2022
First disbursed
12/12/2022
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
63
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Truist Bank · Lender record →
Your business? Claim this record · Request removal
GNR INC in Puyallup, WA — $625K (2023) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$469K (75%)
Approved
6/20/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
GNR INC in Puyallup, WA — $625K (2023) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$469K (75%)
Approved
6/20/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
Ozerovsky's Family Enterprise Inc in Yonkers, NY — $204K (2023) · Equity Bank
Program
Preferred Lenders Program
Rate at approval
9.7179% variable
Term
96 mo (8 yrs)
SBA guaranteed
$153K (75%)
Approval → funding
17 days
Approved
2/3/2023
First disbursed
2/20/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Equity Bank · Lender record →
Your business? Claim this record · Request removal
Harvest Gordonsville LLC in Zion Crossroads, VA — $2.0M (2022) · Genisys CU
Program
7a General
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
33 days
Approved
3/25/2022
First disbursed
4/27/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
68
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Genisys CU · Lender record →
Your business? Claim this record · Request removal
Pancakes of Coney Island LLC in Brooklyn, NY — $4.8M (2021) · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.6M (75%)
Approved
7/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
46
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
Pancakes of Coney Island LLC in Brooklyn, NY — $4.8M (2021) · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$3.6M (75%)
Approval → funding
14 days
Approved
7/22/2021
First disbursed
8/5/2021
Loan status
Paid in full (4/30/2024)
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 Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
Harvest California LLC in California, MD — $2.9M (2021) · Genisys CU
Program
7a General
Rate at approval
6% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.6M (90%)
Approval → funding
8 days
Approved
6/22/2021
First disbursed
6/30/2021
Loan status
Paid in full (5/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
47
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Genisys CU · Lender record →
Your business? Claim this record · Request removal
Ayaz Investment Group LLC in West Hartford, CT — $1.5M (2021) · PCB Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (90%)
Approval → funding
7 days
Approved
7/21/2021
First disbursed
7/28/2021
Loan status
Paid in full (8/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by PCB Bank · Lender record →
Your business? Claim this record · Request removal
NORTHLAND 528 LLC in Philadelphia, PA — $675K (2021) · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.2% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$608K (90%)
Approval → funding
4 days
Approved
6/7/2021
First disbursed
6/11/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
BROOKDALE RESTAURANT OPERATING GROUP INC in Bloomfield, NJ — $500K (2021) · purchase · Provident Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (90%)
Approval → funding
6 days
Approved
8/25/2021
First disbursed
8/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
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
$5,365
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 Provident Bank · Lender record →
Your business? Claim this record · Request removal
Union Point Cakes LLC in Union Point, GA — $499K (2021) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$449K (90%)
Approval → funding
134 days
Approved
8/3/2021
First disbursed
12/15/2021
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
60
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
Madison Cakes LLC in Madison, GA — $317K (2021) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$286K (90%)
Approval → funding
34 days
Approved
8/4/2021
First disbursed
9/7/2021
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
40
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
JHAH LP in Spring, TX — $5.0M (2020) · JPMorgan Chase Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.0M (60%)
Approved
4/28/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
140
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
AVF INC in Perry, GA — $3.3M (2020) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
306 months
SBA guaranteed
$2.5M (75%)
Approval → funding
41 days
Approved
2/19/2020
First disbursed
3/31/2020
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
90
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal

Buying a IHOP? 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 IHOP businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a IHOP 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. Pinnacle Bank funds the most. CapBench is not a lender.

$1.3M typical IHOP loan
17 lenders fund the brand
17 days typical to fund

Buyers researching a IHOP 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 IHOP 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/ihop
API:: https://www.capbench.com/api/public/lenders?franchise=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.