Jon Smith 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 S0911)
8 deals since 2020 · typical deal $500K
8
Deals since 2020
$500K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Jon Smith Subs
Most Jon Smith Subs deals financed between $403K and $524K. Above $524K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $6,539
- Down payment (10%)
- $56K
- Cash to close (all-in)
- $74K
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 ~$74K)
Experience
Recent financings
- Addscott Corporation in West Palm Beach, FL — $412K (2026) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $309K (75%)
- Approval → funding
- 10 days
- Approved
- 12/12/2025
- First disbursed
- 12/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $458K
- Est. down payment (10%)
- $46K
- Est. cash at closing
- $61K
- Monthly payment
- $5,275
- Annual debt service
- $63K
- Cash flow needed (1.25×)
- $79K
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 Pinnacle Bank · Lender record →
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- K & J Restaurant Management, LLC in Frisco, TX — $500K (2023) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 101 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 42 days
- Approved
- 2/9/2023
- First disbursed
- 3/23/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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- Jy Establishment Food Service LLC in Cypress, TX — $524K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 106 months
- SBA guaranteed
- $393K (75%)
- Approval → funding
- 21 days
- Approved
- 7/19/2022
- First disbursed
- 8/9/2022
- Loan status
- Failed — $468K charged off (9/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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- Tenn-Vir-Tucky Enterprises Inc. in Harrogate, TN — $57K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $49K (85%)
- Approval → funding
- 7 days
- Approved
- 11/23/2021
- First disbursed
- 11/30/2021
- Loan status
- Paid in full (10/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 51
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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- HMS Ventures Inc. in Pleasanton, CA — $2.7M (2021) · purchase · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approved
- 12/13/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 250
- Business age
- Change of Ownership
- Industry
- Beauty Salons
If you were the buyer here
- Est. deal size
- $3.0M
- Est. down payment (10%)
- $295K
- Est. cash at closing
- $407K
- Monthly payment
- $29,476
- Annual debt service
- $354K
- Cash flow needed (1.25×)
- $442K
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 Newtek Small Business Finance, Inc.
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- Tenn-Vir-Tucky Enterprises Inc. in Harrogate, TN — $403K (2021) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $362K (90%)
- Approval → funding
- 16 days
- Approved
- 7/15/2021
- First disbursed
- 7/31/2021
- Loan status
- Paid in full (10/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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- Crispeno Realty, Inc. in Edmonds, WA — $300K (2021) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $270K (90%)
- Approval → funding
- 3 days
- Approved
- 2/25/2021
- First disbursed
- 2/28/2021
- Loan status
- Paid in full (8/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Offices of Real Estate Agents and Brokers
Funded by Newtek Small Business Finance, Inc.
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- GT Vet, LLC in Virginia Beach, VA — $500K (2020) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 98 days
- Approved
- 4/24/2020
- First disbursed
- 7/31/2020
- Loan status
- Paid in full (8/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Beacon Bank and Trust · Lender record →
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Who funds Jon Smith Subs — and where
Every dot is a financed Jon Smith Subs — 8 mapped.
Financed Jon Smith Subs locations — list all 8 as text
- HMS Ventures Inc. — Pleasanton · $2.7M · FY2021 · Beauty Salons
- Crispeno Realty, Inc. — Edmonds · $300K · FY2021 · Offices of Real Estate Agents and Brokers
- K & J Restaurant Management, LLC — Frisco · $500K · FY2023 · Limited-Service Restaurants
- Addscott Corporation — West Palm Beach · $412K · FY2026 · Limited-Service Restaurants
- GT Vet, LLC — Virginia Beach · $500K · FY2020 · Limited-Service Restaurants
- Jy Establishment Food Service LLC — Cypress · $524K · FY2022 · Limited-Service Restaurants
- Tenn-Vir-Tucky Enterprises Inc. — Harrogate · $57K · FY2022 · Limited-Service Restaurants
- Tenn-Vir-Tucky Enterprises Inc. — Harrogate · $403K · FY2021 · Limited-Service Restaurants
Top lenders for this brand
1.Citizens Bank(4)
- 2.Newtek Small Business Finance, Inc. (2)
3.Pinnacle Bank(1)
4.Beacon Bank and Trust(1)
Most active states
- 1.Texas (2 loans)
- 2.Tennessee (2 loans)
- 3.California (1 loans)
- 4.Washington (1 loans)
- 5.Florida (1 loans)
- 6.Virginia (1 loans)
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Common questions
How much does a Jon Smith Subs cost to buy or open?
The typical deal for Jon Smith Subs is $500K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $55K of buyer cash on a typical deal.
How risky is Jon Smith Subs?
Jon Smith Subs has 8 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 Jon Smith Subs with an SBA loan?
Yes — Jon Smith Subs has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Jon Smith Subs franchise
Most Jon Smith 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 Jon Smith Subs deal financed for $500K, which points to about $55K of buyer cash on a typical purchase. Jon Smith Subs is listed in the SBA Franchise Directory (identifier S0911), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Jon Smith 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 Jon Smith 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 Jon Smith Subs — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Jon Smith Subs is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 8 SBA 7(a) deals since 2020
- $500K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0911)
- Top lenders: Citizens Bank, Newtek Small Business Finance, Inc., Pinnacle 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 Jon Smith Subs.