Franchise financing
PAPA JOHN'S PIZZA franchise financing
What it costs to finance a PAPA JOHN'S PIZZA franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 116
- Total funded
- $26.3M
- Median loan
- $219K
- 7(a) charge-off
- 10.8%
What financing a PAPA JOHN'S PIZZA franchise costs
The median SBA loan to a PAPA JOHN'S PIZZA franchisee is $219K, and the middle half of PAPA JOHN'S PIZZA's 116 loans run $127K to $280K (average $227K). Across all SBA-financed franchises the median loan is $350K. PAPA JOHN'S PIZZA buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median PAPA JOHN'S PIZZA loan runs about 9 years (107 months). Model your numbers with the franchise financing calculator.
Of the 102 PAPA JOHN'S PIZZA loans where the SBA recorded a business age, 66.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance PAPA JOHN'S PIZZA
PAPA JOHN'S PIZZA franchisees have financed with 116 SBA loans since FY2010, averaging $227K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (111 of the 116 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
PAPA JOHN'S PIZZA's 7(a) charge-off rate is 10.8% across 111 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance PAPA JOHN'S PIZZA
By SBA loan count
Where PAPA JOHN'S PIZZA gets funded
Top states by loan count
- 1. Illinois 13
- 2. Texas 12
- 3. New York 7
- 4. California 10
- 5. New Jersey 12
- 6. Delaware 5
- 7. Florida 5
- 8. Colorado 5
Financing a PAPA JOHN'S PIZZA?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
PAPA JOHN'S PIZZA SBA financing FAQ
How much does a PAPA JOHN'S PIZZA franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a PAPA JOHN'S PIZZA franchisee is $219K, and the middle half of PAPA JOHN'S PIZZA's 116 loans run $127K to $280K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of PAPA JOHN'S PIZZA's franchise disclosure document.
Can you use an SBA loan for PAPA JOHN'S PIZZA?
Yes. Lenders have funded 116 SBA loans to PAPA JOHN'S PIZZA franchisees, worth $26.3M in all, so PAPA JOHN'S PIZZA is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for PAPA JOHN'S PIZZA?
The data says yes: of PAPA JOHN'S PIZZA's 102 SBA loans that record a business age, 66.7% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance PAPA JOHN'S PIZZA?
By loan count, the most active SBA lenders for PAPA JOHN'S PIZZA are Republic Bank & Trust Company, Wells Fargo Bank National Association, Wilmington Savings Fund Society FSB, among others. A lender already active with your brand often moves faster.
What is PAPA JOHN'S PIZZA's SBA charge-off rate?
Across PAPA JOHN'S PIZZA's 111 SBA 7(a) loans, 10.8% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits PAPA JOHN'S PIZZA?
Mostly 7(a): 111 of PAPA JOHN'S PIZZA's 116 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median PAPA JOHN'S PIZZA loan term is about 9 years (107 months).