Cousins Subs, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0435)
3 deals since 2020 · typical deal $222K
3
Deals since 2020
$222K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Cousins Subs
Most Cousins Subs deals financed between $132K and $465K. Above $465K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,286
- Down payment (10%)
- $25K
- Cash to close (all-in)
- $33K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$33K)
Experience
Recent financings
- Square Drive, LLC in Mount Pleasant, WI — $465K (2021) · BMO Bank National Association
- Program
- 7a General
- Rate at approval
- 5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $418K (90%)
- Approval → funding
- 40 days
- Approved
- 4/21/2021
- First disbursed
- 5/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by BMO Bank National Association · Lender record →
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- Straight Drive, LLC in Racine, WI — $222K (2021) · purchase · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.15% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $200K (90%)
- Approval → funding
- 7 days
- Approved
- 4/23/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $247K
- Est. down payment (10%)
- $25K
- Est. cash at closing
- $33K
- Monthly payment
- $2,485
- Annual debt service
- $30K
- Cash flow needed (1.25×)
- $37K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BMO Bank National Association · Lender record →
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- McGraw Subs LLC in Brookfield, WI — $132K (2020) · purchase · Waukesha State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $112K (85%)
- Approval → funding
- 26 days
- Approved
- 12/5/2019
- First disbursed
- 12/31/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $146K
- Est. down payment (10%)
- $15K
- Est. cash at closing
- $19K
- Monthly payment
- $1,561
- Annual debt service
- $19K
- Cash flow needed (1.25×)
- $23K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Waukesha State Bank · Lender record →
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Who funds Cousins Subs — and where
Every dot is a financed Cousins Subs — 3 mapped.
Financed Cousins Subs locations — list all 3 as text
- Square Drive, LLC — Mount Pleasant · $465K · FY2021 · Full-Service Restaurants
- Straight Drive, LLC — Racine · $222K · FY2021 · Limited-Service Restaurants
- McGraw Subs LLC — Brookfield · $132K · FY2020 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Wisconsin (3 loans)
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Common questions
How much does a Cousins Subs cost to buy or open?
The typical deal for Cousins Subs is $222K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $24K of buyer cash on a typical deal.
How risky is Cousins Subs?
Cousins Subs has 3 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Cousins Subs with an SBA loan?
Yes — Cousins Subs has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Cousins Subs franchise
Most Cousins Subs buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Cousins Subs deal financed for $222K, which points to about $24K of buyer cash on a typical purchase. Cousins Subs is listed in the SBA Franchise Directory (identifier S0435), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Cousins Subs — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Cousins Subs — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Cousins Subs — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Cousins Subs is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 3 SBA 7(a) deals since 2020
- $222K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0435)
- Top lenders: BMO Bank National Association, Waukesha State Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Cousins Subs.