How much do lenders finance for a TheOriginal Pancake House franchise?

The median SBA loan approved for a TheOriginal Pancake House franchise is $620,000, with the middle 80% of loans between $241,000 and $1,626,000. 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 TheOriginal Pancake House franchises?

By dollars approved, the most active SBA lenders for TheOriginal Pancake House have been Florida First Capital Finance Corporation, Inc., The Huntington National Bank, Stearns Bank, Heritage Bank. 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 TheOriginal Pancake House SBA loans?

The median term is 10.3 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 TheOriginal Pancake House franchise

SBA lenders have approved 16 loans against the TheOriginal Pancake House brand since FY2010, totalling $11.4M. The median approval was $620,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1118

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$620,000

Typical range

$241K-$1.6M

Middle 80% of loans

Median term

10.3 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 TheOriginal Pancake House

Lender	Loans	Approved
Florida First Capital Finance Corporation, Inc.	3	$3.3M
The Huntington National Bank	1	$2.0M
Stearns Bank	2	$1.2M
Heritage Bank	2	$1.1M
SomerCor 504, Inc.	1	$1.1M
Glacier Bank	1	$740K
Woodlands National Bank	2	$600K
Small Business Growth Corporation	1	$455K

Geography

Where TheOriginal Pancake House units were financed

State	Loans	Share
Florida	3
Illinois	2
Minnesota	2
Washington	2
California	2
Ohio	2
Wisconsin	1
Maryland	1

Approvals by fiscal year

’17

’18

’19

’21

’22

’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
6%
$150K - $350K
19%
$350K - $1M
56%
$1M - $2M
19%

Financing a TheOriginal Pancake House: common questions

How much do lenders finance for a TheOriginal Pancake House franchise?: The median SBA loan approved for a TheOriginal Pancake House franchise is $620,000, with the middle 80% of loans between $241,000 and $1,626,000. 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 TheOriginal Pancake House franchises?: By dollars approved, the most active SBA lenders for TheOriginal Pancake House have been Florida First Capital Finance Corporation, Inc., The Huntington National Bank, Stearns Bank, Heritage Bank. 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 TheOriginal Pancake House SBA loans?: The median term is 10.3 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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