How much do lenders finance for a IHOP; IHOP Express franchise?

The median SBA loan approved for a IHOP; IHOP Express franchise is $1,102,000, with the middle 80% of loans between $500,000 and $2,900,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance IHOP; IHOP Express franchises?

By dollars approved, the most active SBA lenders for IHOP; IHOP Express have been Harvest Small Business Finance, LLC, Frontier Financial Partners, Inc., JPMorgan Chase Bank, Genisys CU. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are IHOP; IHOP Express SBA loans?

The median term is 20 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a IHOP; IHOP Express franchise

SBA lenders have approved 43 loans against the IHOP; IHOP Express brand since FY2010, totalling $60.7M. The median approval was $1,102,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#522

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$1,102,000

Typical range

$500K-$2.9M

Middle 80% of loans

Median term

20 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed IHOP; IHOP Express

Lender	Loans	Approved
Harvest Small Business Finance, LLC	2	$9.6M
Frontier Financial Partners, Inc.	5	$7.1M
JPMorgan Chase Bank	1	$5.0M
Genisys CU	2	$4.9M
Pinnacle Bank	3	$4.2M
TD Bank	3	$3.1M
Small Business Access Partners, Inc.	3	$3.0M
BMO Bank	1	$2.0M

Geography

Where IHOP; IHOP Express units were financed

State	Loans	Share
New York	9
Georgia	6
Kansas	4
Rhode Island	2
Colorado	2
New Jersey	2
South Carolina	2
Maryland	2

Approvals by fiscal year

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$50K - $150K
2%
$150K - $350K
5%
$350K - $1M
35%
$1M - $2M
42%
Over $2M
16%

Financing a IHOP; IHOP Express: common questions

How much do lenders finance for a IHOP; IHOP Express franchise?: The median SBA loan approved for a IHOP; IHOP Express franchise is $1,102,000, with the middle 80% of loans between $500,000 and $2,900,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance IHOP; IHOP Express franchises?: By dollars approved, the most active SBA lenders for IHOP; IHOP Express have been Harvest Small Business Finance, LLC, Frontier Financial Partners, Inc., JPMorgan Chase Bank, Genisys CU. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are IHOP; IHOP Express SBA loans?: The median term is 20 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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