Food & Restaurants · lender intelligence
How to finance a IHOP
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
$16,346/mo
Typical payment
~9.75% · 10yr
$225,575/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
17 days
Typical time to fund
17
Lenders competing
more = leverage
7.17%
Avg rate on record
cap ~10.00%
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
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-12.
- 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.