SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
International House of Pancakes Franchise Failure Rate on SBA Loans: 0 of 16 Charged Off (Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
None of the 16 International House of Pancakes SBA borrowers in the sample failed to repay — but 16 loans is too few to call a rate.
0 of 16 SBA 7(a) loans to International House of Pancakes franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the International House of Pancakes franchise failure rate on SBA loans?
International House of Pancakes is a Full-Service Restaurants franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to International House of Pancakes franchisees: 16 loans approved between fiscal 2010 and 2019, of which 0 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201916
- Charged off0
- Charge-off rate (small sample)0.0%
- Full-Service Restaurants franchise benchmark9.6%
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$610,619
How does International House of Pancakes compare with other Full-Service Restaurants franchises?
The table sets International House of Pancakes's charge-off rate beside its Full-Service Restaurants peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | International House of Pancakes | Full-Service Restaurants | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.0% (small sample) | 9.6% | 10.2% | 8.0% |
| Loans in sample | 16 | — | — | — |
| Defaults | 0 | — | — | — |
| Average loan size | $610,619 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 7 | 0 | 0.0% |
| FY2011 | 1 | 0 | 0.0% |
| FY2012 | 6 | 0 | 0.0% |
| FY2013 | 2 | 0 | 0.0% |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
International House of Pancakes's figure rests on 16 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the count is a settled outcome, not a projection. With 16 resolved loans, one default moves the rate by about 6.2 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every International House of Pancakes figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (16 loans). A single default moves this figure substantially.
Frequently asked
- What is International House of Pancakes's franchise failure rate on SBA loans?
- 0 of 16 SBA 7(a) loans to International House of Pancakes franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is International House of Pancakes a safe franchise investment?
- Between 2010–2019, 0 of 16 SBA loans to International House of Pancakes franchisees were charged off. The sample is small. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). International House of Pancakes franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 0 of 16 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/international-house-of-pancakes/ · Data & methodology · Download the dataset (CSV)