SBA Loans for Denny's Franchises
Who actually funds Denny's SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2026.
Top lenders funding Denny's SBA loans
Ranked by number of Denny's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Columbia Bank | 3 | $5.0M | $1.7M |
| 2 | Newtek Bank, National Association | 2 | $300K | $150K |
| 3 | iTHINK Financial Credit Union | 1 | $525K | $525K |
| 3 | Lake Michigan CU | 1 | $1.3M | $1.3M |
| 3 | Readycap Lending, LLC | 1 | $1.1M | $1.1M |
| 3 | Truliant FCU | 1 | $1.0M | $1.0M |
| 3 | Washington Trust Bank | 1 | $1.0M | $1.0M |
| 3 | America First Federal Credit Union | 1 | $2.4M | $2.4M |
| 3 | Woori America Bank | 1 | $1.7M | $1.7M |
| 3 | First Bank of the Lake | 1 | $250K | $250K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Denny's loan in this period, ranked by loan count.
Denny's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| NJ | 3 | $5.0M | $1.7M |
| CA | 2 | $2.8M | $1.4M |
| UT | 1 | $2.4M | $2.4M |
| FL | 2 | $1.8M | $890K |
| WA | 1 | $1.0M | $1.0M |
| SC | 1 | $1.0M | $1.0M |
| AZ | 3 | $550K | $183K |
Denny's SBA loans by year
How Denny's SBA loans have performed
Outcomes for every funded Denny's 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
How to use this
The lenders above have actually closed SBA 7(a) loans for Denny's franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your Denny's deal to a lender currently funding this brand.
Financing a Denny's franchise?
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