FranchiseRanked

Papa John's

Restaurants & FoodSBA loans FY2020–FY2026

63

SBA Loans

$32.2M

Total Financed

$512K

Avg Loan Size

-40%

YoY Loan Growth

How Papa John's Compares

  • Ranks #33 of 1,075 Restaurants & Food brands by SBA loan count (#157 of 3,543 overall).
  • Its average loan of $512K is 22% above the Restaurants & Food median of $419K.
  • Its 1.6% charge-off rate compares to a 1.3% average across all Restaurants & Food brands.

SBA Loan Activity by Fiscal Year

Fiscal YearLoansTotal Financed
FY202013$6.2M
FY202119$8.2M
FY20226$1.8M
FY20237$5.4M
FY202410$4.1M
FY20256$5.9M
FY20262$600K

FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.

Where Papa John's Is Getting SBA-Financed

California14 loans · $10.8MOhio9 loans · $3.6MMinnesota6 loans · $2.2MGeorgia5 loans · $1.2MIllinois4 loans · $1.6MNew York4 loans · $2.4MWisconsin4 loans · $1.7MHawaii2 loans · $2.5MVirginia2 loans · $545KPennsylvania2 loans · $1.3MOregon2 loans · $400KOklahoma1 loan · $250KTexas1 loan · $543KWashington1 loan · $1.5MFlorida1 loan · $315K

Recent SBA-Financed Papa John's Locations

Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.

IT'S ONLY PAPA'S PIZZA, LLCDAYTON, KY
$100,0002026-02-26
Aleshire Enterprises LLCANOKA, MN
$500,0002025-12-11
PJEJ CORPYUCAIPA, CA
$1,130,0002025-09-09
FERUM CORPSPRING VALLEY, NY
$132,0002025-08-21
PJ ZYUS GROUP LLCRANCHO PALOS VERDES, CA
$1,250,0002025-07-31
Papa North, LLCSIMI VALLEY, CA
$1,825,0002025-05-09
JC Squared 2.0 LLCHUDSON, WI
$565,0002025-05-01
Papa Johns PizzaBethlehem, PA
$998,0002024-10-04
New Era Pizza LLCTRENTON, OH
$25,0002024-09-06
New Era Pizza LLCTRENTON, OH
$540,0002024-09-06
JC Squared, LLCFOREST LAKE, MN
$499,5002024-08-29
M & M FAMILY ENTERPRISE, INCSPRINGFIELD, OR
$360,0002024-08-06
M & M FAMILY ENTERPRISE, INCSPRINGFIELD, OR
$40,0002024-08-06
Hensley & Sons LLCROYSTON, GA
$167,0002024-03-07
Y Pizza, LLCSPRINGVILLE, UT
$40,0002024-03-06
9YARDS GROUP INCINDIO, CA
$365,0002023-11-17
SN Pizza Restaurants INC.PARAMOUNT, CA
$830,0002023-10-29
Papa Johns PizzaCorona, CA
$1,238,0002023-10-18
Yad&Pre LLCBATAVIA, OH
$2,000,0002023-09-29
Papa John's PizzaPITTSBURGH, PA
$350,0002023-04-26
Aleshire Enterprises LLCALBERTVILLE, MN
$365,0002023-02-28
PPJ Pizza LLCPetersburg, VA
$300,0002023-02-27
Aleshire Enterprises LLCALBERTVILLE, MN
$100,0002023-02-16
SABOOR GROUP INC.HAMMOND, IN
$260,0002022-11-22
PJ PLUS INC.FAR ROCKAWAY, NY
$2,050,0002022-10-18

Frequently Asked Questions

Is Papa John's growing or shrinking?

Papa John's's SBA loan count fell 40% year-over-year. A decline in SBA financing doesn't necessarily mean the brand is shrinking -- franchisees may be using other financing, or SBA lending patterns may have shifted broadly.

How much does it cost to open a Papa John's franchise?

We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $512K (22% above the typical Restaurants & Food brand's $419K) is a rough proxy, but SBA loans often cover only part of total investment.

What's the SBA loan default rate for Papa John's?

1 of 63 SBA loans to Papa John's franchisees (1.6%) have been charged off since FY2020, compared to 1.3% across all Restaurants & Food brands.

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Source: SBA 7(a) FOIA loan dataset. View dataset