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Firehouse 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 S0639)

170 deals since 2020 · typical deal $389K · 1.59% failure rate

170

Deals since 2020

$389K

Typical deal

27

Deals since FY2025

1.59%

Failure rate (FY20–23)

Firehouse Subs's 1.59% failure rate sits in the normal range for franchises. Underwrite the location, not just the brand.

What buyers pay for Firehouse Subs

Most Firehouse Subs deals financed between $249K and $564K. Above $564K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$5,092
Down payment (10%)
$43K
Cash to close (all-in)
$58K

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 ~$58K)

Experience

Recent financings

  • 3 SONS SUBS 185, LLC in Lakeland, FL — $1.7M (2026) · purchase · FWBank
  • STATION 29 LLC in Seminole, FL — $500K (2026) · Live Oak Banking Company
  • Firehouse Subs in Overland Park, KS — $500K (2026) · United Community Bank
  • JAI FH SUBS LLC in Brea, CA — $462K (2026) · The Huntington National Bank
  • Dhana LLC in San Diego, CA — $399K (2026) · Zions Bank, A Division of
  • ADVENTURE DNA LLC in Westbrook, ME — $366K (2026) · purchase · Maine Community Bank
  • Luis Family Restaurants, LLC in Pike Road, AL — $350K (2026) · Live Oak Banking Company
  • DRIM 3005 LLC in Johns Creek, GA — $200K (2026) · purchase · Live Oak Banking Company
  • JAI FH SUBS LLC in Brea, CA — $50K (2026) · The Huntington National Bank
  • Firehouse Subs in Overland Park, KS — $25K (2026) · United Community Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Firehouse Subs brand mark

Who funds Firehouse Subs — and where

Every dot is a financed Firehouse Subs — 167 mapped.

Financed Firehouse Subs locations — list all 167 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(16)
  2. 2.The Huntington National Bank(13)
  3. 3.SouthState Bank, National Association(10)
  4. 4.Gulf Coast Bank and Trust Company(8)
  5. 5.SouthWest Bank(5)

Most active states

  1. 1.Texas (17 loans)
  2. 2.Florida (16 loans)
  3. 3.Georgia (12 loans)
  4. 4.California (11 loans)
  5. 5.Virginia (10 loans)
  6. 6.Michigan (8 loans)
  7. 7.North Carolina (7 loans)
  8. 8.Tennessee (7 loans)

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Common questions

How much does a Firehouse Subs cost to buy or open?

The typical deal for Firehouse Subs is $389K across 170 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $43K of buyer cash on a typical deal.

How risky is Firehouse Subs?

1.59% of Firehouse Subs's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Firehouse Subs with an SBA loan?

Yes — Firehouse Subs has been SBA-financed 27 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Firehouse Subs franchise

Most Firehouse 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 Firehouse Subs deal financed for $389K, which points to about $43K of buyer cash on a typical purchase. Firehouse Subs is listed in the SBA Franchise Directory (identifier S0639), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Firehouse 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 Firehouse 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 Firehouse Subs — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Firehouse Subs is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 170 SBA 7(a) deals since 2020
  • $389K typical deal
  • 27 deals since FY2025
  • 1.59% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S0639)
  • Top lenders: Live Oak Banking Company, The Huntington National Bank, SouthState Bank, National Association

Next steps

Check SBA fitFind SBA lenders$9 lender report
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.
Canonical:
https://www.capbench.com/franchises/firehouse-subs
API:
https://www.capbench.com/api/public/franchises/firehouse-subs
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 Firehouse Subs.

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Firehouse Subs: SBA Cost, Rates & Failure Rate | CapBench