SBA Loans for IHOP Franchises
Who actually funds IHOP SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2026.
Top lenders funding IHOP SBA loans
Ranked by number of IHOP 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Harvest Small Business Finance, LLC | 2 | $9.6M | $4.8M |
| 1 | KeyBank National Association | 2 | $1.3M | $625K |
| 1 | Pinnacle Bank | 2 | $817K | $408K |
| 1 | Genisys CU | 2 | $4.9M | $2.5M |
| 5 | PCB Bank | 1 | $1.5M | $1.5M |
| 5 | Provident Bank | 1 | $500K | $500K |
| 5 | Seacoast National Bank | 1 | $1.1M | $1.1M |
| 5 | TD Bank, National Association | 1 | $675K | $675K |
| 5 | Truist Bank | 1 | $1.3M | $1.3M |
| 5 | Equity Bank | 1 | $204K | $204K |
| 5 | U.S. Bank, National Association | 1 | $50K | $50K |
| 5 | Hanmi Bank | 1 | $1.1M | $1.1M |
| 5 | Newtek Bank, National Association | 1 | $1.6M | $1.6M |
| 5 | Newtek Small Business Finance, Inc. | 1 | $1.6M | $1.6M |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved IHOP loan in this period, ranked by loan count.
IHOP SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| NY | 5 | $12.9M | $2.6M |
| MD | 2 | $4.2M | $2.1M |
| VA | 1 | $2.0M | $2.0M |
| CT | 1 | $1.5M | $1.5M |
| WA | 2 | $1.3M | $625K |
| CA | 2 | $1.2M | $578K |
| SC | 1 | $1.1M | $1.1M |
| GA | 2 | $817K | $408K |
| PA | 1 | $675K | $675K |
| NJ | 1 | $500K | $500K |
IHOP SBA loans by year
SBA lender notes for IHOPfrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Addendum to Lease, may not be executed. 2. Franchisor may not enforce a Purchase Option on Real Estate owned by the franchisee or an affiliate of the franchisee and taken as collateral for the SBA Loan.
How to use this
The lenders above have actually closed SBA 7(a) loans for IHOP 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 — we match your IHOP deal to a lender currently funding this brand.
Financing a IHOP franchise?
We know which lenders are actively funding IHOP deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).