Food & Restaurants · lender intelligence
How to finance a IHOP in Georgia
The SBA 7(a) lenders funding the most IHOP deals in Georgia, from public loan records — typical IHOP loan about $1.3M. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance IHOP in Georgia
$609K
Typical loan
range $499K–$3.33M
$676K
Est. purchase price
≈ loan ÷ 90%
$90,460
Cash to close
$67,633 down + fees
$7,876/mo
Typical payment
~9.5% · 10yr
$108,689/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
63 days
Typical time to fund
2
Lenders competing
more = leverage
5.81%
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 in Georgia
Ranked by funded IHOP loans in Georgia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1 loans · $1M · Lincoln, NEFull record →
- 2.32 loans · $54M · Tupelo, MSFull record →
4+ funded IHOP in Georgia 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.
- 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
- 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
- Ponce Dining, LLC. in Atlanta, GA — $609K (2020) · purchase · Renasant Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $457K (75%)
- Approval → funding
- 63 days
- Approved
- 7/29/2020
- First disbursed
- 9/30/2020
- 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
- 36
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $676K
- Est. down payment (10%)
- $68K
- Est. cash at closing
- $90K
- Monthly payment
- $6,531
- Annual debt service
- $78K
- Cash flow needed (1.25×)
- $98K
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 Renasant Bank · Lender record →
Your business? Claim this record · Request removal
Buying a IHOP in Georgia? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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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 IHOP loans with a Georgia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a IHOP purchase in Georgia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Georgia deals. Pinnacle Bank funds the most here. CapBench is not a lender.
- $1.3M typical IHOP loan
- 2 lenders active in Georgia
- 4+ funded Georgia deals
- 63 days typical to fund
Buyers buying a IHOP in Georgia typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- 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.