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Food & Restaurants · lender intelligence

How to finance a Papa John's

The SBA 7(a) lenders funding the most Papa John's deals, ranked from public loan records — typical Papa John's loan about $329K, 2.22% failure rate across 63 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

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

$329K

Typical loan

range $174K–$605K

$366K

Est. purchase price

≈ loan ÷ 90%

$48,894

Cash to close

$36,556 down + fees

$4,532/mo

Typical payment

~11% · 10yr

$62,542/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

97.8%

Still performing

2.2% default · FY20–23

19 days

Typical time to fund

30

Lenders competing

more = leverage

7.6%

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 Papa John's

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

  1. 1.2,539 loans · $965M · Columbus, OHFull record →
  2. 2.7 loans · $3M · Walnut Creek, CAFull record →
  3. 3.242 loans · $281M · Chicago, ILFull record →
  4. 4.12 loans · $10M · Los Angeles, CAFull record →
  5. 5.1 loans · $1M · Lincoln, NEFull record →
  6. 6.4 loans · $3M · Atlanta, GAFull record →
  7. 7.105 loans · $164M · Brookline, MAFull record →
  8. 8.1 loans · $0M · St. Louis, MOFull record →
  9. 9.62 loans · $34M · Winter Haven, FLFull record →
  10. 10.149 loans · $135M · Mukwonago, WIFull record →
  11. 11.139 loans · $102M · Los Angeles, CAFull record →
  12. 12.16 loans · $9M · Effingham, ILFull record →
  13. 13.3 loans · $1M · Powhatan, VAFull record →
  14. 14.85 loans · $36M · Waterbury, CTFull record →
  15. 15.284 loans · $254M · Cincinnati, OHFull record →
  16. 16.20 loans · $14M · Arlington Heights, ILFull record →
  17. 17.3 loans · $4M · Dallas, TXFull record →
  18. 18.1,927 loans · $207M · Buffalo, NYFull record →
  19. 19.83 loans · $31M · Sandy, UTFull record →
  20. 20.116 loans · $120M · Evansville, INFull record →
  21. 21.23 loans · $30M · Stuart, FLFull record →
  22. 22.13 loans · $18M · Roseburg, ORFull record →
  23. 23.1,025 loans · $292M · Berkeley Heights, NJFull record →
  24. 24.7 loans · $3M · Muskogee, OKFull record →
  25. 25.14 loans · $23M · Miami Lakes, FLFull record →

63+ funded Papa John'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.

  • Aleshire Enterprises LLC in Anoka, MN — $500K (2026) · Byline Bank
  • IT'S ONLY PAPA'S PIZZA, LLC in Dayton, KY — $100K (2026) · Fifth Third Bank
  • Papa North, LLC in Simi Valley, CA — $1.8M (2025) · purchase · Royal Business Bank
  • PJ ZYUS GROUP LLC in Rancho Palos Verdes, CA — $1.3M (2025) · purchase · Royal Business Bank
  • PJEJ CORP in Yucaipa, CA — $1.1M (2025) · purchase · Royal Business Bank
  • Papa Johns Pizza in Bethlehem, PA — $998K (2025) · Seacoast National Bank
  • JC Squared 2.0 LLC in Hudson, WI — $565K (2025) · purchase · Byline Bank
  • FERUM CORP in Spring Valley, NY — $132K (2025) · Webster Bank National Association
  • Papa Johns Pizza in Corona, CA — $1.2M (2024) · purchase · United Business Bank
  • SN Pizza Restaurants INC. in Paramount, CA — $830K (2024) · Columbia Bank
  • New Era Pizza LLC in Trenton, OH — $540K (2024) · The Huntington National Bank
  • JC Squared, LLC in Forest Lake, MN — $500K (2024) · Old National Bank
  • 9YARDS GROUP INC in Indio, CA — $365K (2024) · Royal Business Bank
  • M & M FAMILY ENTERPRISE, INC in Springfield, OR — $360K (2024) · The Huntington National Bank
  • Hensley & Sons LLC in Royston, GA — $167K (2024) · Pinnacle Bank
  • M & M FAMILY ENTERPRISE, INC in Springfield, OR — $40K (2024) · The Huntington National Bank
  • Y Pizza, LLC in Springville, UT — $40K (2024) · Mountain America FCU
  • New Era Pizza LLC in Trenton, OH — $25K (2024) · The Huntington National Bank
  • PJ PLUS INC. in Far Rockaway, NY — $2.0M (2023) · Hanmi Bank
  • Yad&Pre LLC in Batavia, OH — $2.0M (2023) · purchase · The Huntington National Bank

Buying a Papa John's? 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 Papa John's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Papa John'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. The Huntington National Bank funds the most. CapBench is not a lender.

  • $329K typical Papa John's loan
  • 2.22% failure rate (FY20–23)
  • 30 lenders fund the brand
  • 19 days typical to fund

Buyers researching a Papa John'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 dealTalk to a loan brokerPapa John'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/papa-john-s
API:
https://www.capbench.com/api/public/lenders?franchise=papa-john-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.
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