Food & Restaurants · lender intelligence
How to finance a IHOP in New York
The SBA 7(a) lenders funding the most IHOP deals in New York, 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 New York
$1.57M
Typical loan
range $1.57M–$4.79M
$1.74M
Est. purchase price
≈ loan ÷ 90%
$239,650
Cash to close
$174,444 down + fees
$20,315/mo
Typical payment
~9.5% · 10yr
$280,347/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
17 days
Typical time to fund
4
Lenders competing
more = leverage
8.64%
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 New York
Ranked by funded IHOP loans in New York. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.291 loans · $320M · Laguna Hills, CAFull record →
- 2.16 loans · $6M · Andover, KSFull record →
- 3.3,264 loans · $846M · Miami, FLFull record →
5+ funded IHOP in New York 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.
- 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
- 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
- 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
Buying a IHOP in New York? 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.
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 IHOP loans with a New York project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a IHOP purchase in New York with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded New York deals. Harvest Small Business Finance, LLC funds the most here. CapBench is not a lender.
- $1.3M typical IHOP loan
- 4 lenders active in New York
- 5+ funded New York deals
- 17 days typical to fund
Buyers buying a IHOP in New York 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 2026-06-24.
- 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.