Food & Restaurants · lender intelligence
How to finance a Cousins Subs
The SBA 7(a) lenders funding the most Cousins Subs deals, ranked from public loan records — typical Cousins Subs loan about $222K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Cousins Subs
$222K
Typical loan
range $132K–$465K
$247K
Est. purchase price
≈ loan ÷ 90%
$33,037
Cash to close
$24,700 down + fees
$3,254/mo
Typical payment
~12.5% · 10yr
$44,905/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
26 days
Typical time to fund
2
Lenders competing
more = leverage
6.22%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Cousins Subs
Ranked by funded Cousins Subs loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.16 loans · $18M · Chicago, ILFull record →
- 2.9 loans · $10M · Waukesha, WIFull record →
3+ funded Cousins Subs deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- 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 →
Your business? Claim this record · Request removal
- 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 →
Your business? Claim this record · Request removal
Buying a Cousins Subs? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Cousins Subs businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Cousins Subs purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. BMO Bank National Association funds the most. CapBench is not a lender.
- $222K typical Cousins Subs loan
- 2 lenders fund the brand
- 26 days typical to fund
Buyers researching a Cousins Subs typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- 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.