SBA Loans for IHOP; IHOP Express Franchises
Who actually funds IHOP; IHOP Express 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 IHOP; IHOP Express SBA loans
Ranked by number of IHOP; IHOP Express 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Pinnacle Bank | 2 | $817K | $408K |
| 1 | KeyBank National Association | 2 | $1.3M | $625K |
| 1 | Genisys CU | 2 | $4.9M | $2.5M |
| 1 | Harvest Small Business Finance, LLC | 2 | $9.6M | $4.8M |
| 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 | U.S. Bank, National Association | 1 | $50K | $50K |
| 5 | Equity Bank | 1 | $204K | $204K |
| 5 | Hanmi Bank | 1 | $1.1M | $1.1M |
| 5 | Newtek Bank, National Association | 1 | $1.6M | $1.6M |
| 5 | Newtek Small Business Finance, LLC | 1 | $1.6M | $1.6M |
| 5 | PCB Bank | 1 | $1.5M | $1.5M |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved IHOP; IHOP Express loan in this period, ranked by loan count.
IHOP; IHOP Express 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; IHOP Express SBA loans by year
How IHOP; IHOP Express SBA loans have performed
Outcomes for every funded IHOP; IHOP Express 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.
SBA lender notes for IHOP; IHOP Expressfrom 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; IHOP Express 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 IHOP; IHOP Express deal to a lender currently funding this brand.
Financing a IHOP; IHOP Express franchise?
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