SBA Loans for Papa John's Franchises
Who actually funds Papa John's 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 Papa John's SBA loans
Ranked by number of Papa John's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 11 | $4.8M | $432K |
| 2 | United Business Bank | 6 | $4.2M | $695K |
| 2 | Byline Bank | 6 | $2.2M | $370K |
| 4 | Royal Business Bank | 4 | $4.6M | $1.1M |
| 5 | Pinnacle Bank | 2 | $438K | $219K |
| 5 | Georgia's Own Credit Union | 2 | $504K | $252K |
| 7 | JPMorgan Chase Bank, National Association | 1 | $174K | $174K |
| 7 | Manufacturers and Traders Trust Company | 1 | $100K | $100K |
| 7 | MidFirst Bank | 1 | $340K | $340K |
| 7 | Midland States Bank | 1 | $260K | $260K |
| 7 | Mountain America FCU | 1 | $40K | $40K |
| 7 | New Horizon Bank, National Association | 1 | $300K | $300K |
| 7 | Old National Bank | 1 | $500K | $500K |
| 7 | Pacific Alliance Bank | 1 | $450K | $450K |
| 7 | Readycap Lending, LLC | 1 | $350K | $350K |
| 7 | Resource Bank, National Association | 1 | $100K | $100K |
| 7 | Seacoast National Bank | 1 | $998K | $998K |
| 7 | SouthState Bank, National Association | 1 | $315K | $315K |
| 7 | Beacon Bank and Trust | 1 | $1.5M | $1.5M |
| 7 | Webster Bank National Association | 1 | $132K | $132K |
| 7 | Citizens Bank | 1 | $605K | $605K |
| 7 | Columbia Bank | 1 | $830K | $830K |
| 7 | Fifth Third Bank | 1 | $100K | $100K |
| 7 | First Bank | 1 | $245K | $245K |
| 7 | Hanmi Bank | 1 | $2.0M | $2.0M |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Papa John's loan in this period, ranked by loan count.
Papa John's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 12 | $10.0M | $835K |
| OH | 7 | $3.4M | $480K |
| NY | 3 | $2.3M | $761K |
| MN | 6 | $2.2M | $359K |
| WI | 4 | $1.7M | $434K |
| WA | 1 | $1.5M | $1.5M |
| PA | 2 | $1.3M | $674K |
| GA | 4 | $942K | $236K |
| CO | 1 | $605K | $605K |
| VA | 2 | $545K | $273K |
| OR | 2 | $400K | $200K |
| AZ | 1 | $340K | $340K |
| FL | 1 | $315K | $315K |
| IN | 1 | $260K | $260K |
| KY | 1 | $100K | $100K |
| IL | 1 | $100K | $100K |
Papa John's SBA loans by year
How to use this
The lenders above have actually closed SBA 7(a) loans for Papa John'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 — we match your Papa John's deal to a lender currently funding this brand.
Financing a Papa John's franchise?
We know which lenders are actively funding Papa John's deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).