SUBMARINA CALIFORNIA 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 S1507)

5 deals since 2020 · typical deal $150K

Deals since 2020

$150K

Typical deal

Deals since FY2025

—

Too few deals to score risk

SUBMARINA CALIFORNIA SUBS has 5 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for SUBMARINA CALIFORNIA SUBS

Most SUBMARINA CALIFORNIA SUBS deals financed between $50K and $183K. Above $183K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$150K

Monthly payment (10-yr): $2,218
Down payment (10%): $17K
Cash to close (all-in): $21K

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 ~$21K)

Experience

Recent financings

IFC Solutions LLC in Temecula, CA — $150K (2025) · Lendistry SBLC, LLC
Program
Preferred Lenders Program
Rate at approval
12.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
14 days
Approved
12/23/2024
First disbursed
1/6/2025
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Lendistry SBLC, LLC · Lender record →
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Submarina Temecula in Temecula, CA — $50K (2024) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
15% variable
Term
120 mo (10 yrs)
SBA guaranteed
$43K (85%)
Approval → funding
23 days
Approved
5/9/2024
First disbursed
6/1/2024
Loan status
Paid in full (4/30/2025)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
PAUL G SIMMONS in Murrieta, CA — $17K (2022) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.49% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$9K (50%)
Approval → funding
10 days
Approved
8/16/2022
First disbursed
8/26/2022
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
QUICK SERV INC. in Murrieta, CA — $350K (2020) · purchase · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
17 days
Approved
10/14/2019
First disbursed
10/31/2019
Loan status
Paid in full (8/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,200
Annual debt service
$50K
Cash flow needed (1.25×)
$63K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
SD Subbros, Inc in La Mesa, CA — $183K (2020) · JPMorgan Chase Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.4% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$91K (50%)
Approval → funding
21 days
Approved
10/10/2019
First disbursed
10/31/2019
Loan status
Paid in full (12/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal

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Who funds SUBMARINA CALIFORNIA SUBS — and where

Every dot is a financed SUBMARINA CALIFORNIA SUBS — 5 mapped.

Financed SUBMARINA CALIFORNIA SUBS locations — list all 5 as text

Submarina Temecula — Temecula · $50K · FY2024 · Limited-Service Restaurants
PAUL G SIMMONS — Murrieta · $17K · FY2022 · Limited-Service Restaurants
IFC Solutions LLC — Temecula · $150K · FY2025 · Limited-Service Restaurants
SD Subbros, Inc — La Mesa · $183K · FY2020 · Limited-Service Restaurants
QUICK SERV INC. — Murrieta · $350K · FY2020 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.California (5 loans)

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Insider move

Start with the lenders above — a bank that's funded SUBMARINA CALIFORNIA SUBS 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable SUBMARINA CALIFORNIA SUBS lending specialist.

Common questions

How much does a SUBMARINA CALIFORNIA SUBS cost to buy or open?

The typical deal for SUBMARINA CALIFORNIA SUBS is $150K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.

How risky is SUBMARINA CALIFORNIA SUBS?

SUBMARINA CALIFORNIA SUBS has 5 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 SUBMARINA CALIFORNIA SUBS with an SBA loan?

Yes — SUBMARINA CALIFORNIA 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 SUBMARINA CALIFORNIA SUBS franchise

Most SUBMARINA CALIFORNIA 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 SUBMARINA CALIFORNIA SUBS deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. SUBMARINA CALIFORNIA SUBS is listed in the SBA Franchise Directory (identifier S1507), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund SUBMARINA CALIFORNIA 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 SUBMARINA CALIFORNIA 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 SUBMARINA CALIFORNIA SUBS — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. SUBMARINA CALIFORNIA SUBS is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

5 SBA 7(a) deals since 2020
$150K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1507)
Top lenders: Readycap Lending, LLC, U.S. Bank, National Association, Lendistry SBLC, LLC

Next steps

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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/submarina-california-subs
API:: https://www.capbench.com/api/public/franchises/submarina-california-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 SUBMARINA CALIFORNIA SUBS.