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How to finance a Firehouse Subs

The SBA 7(a) lenders funding the most Firehouse Subs deals, ranked from public loan records — typical Firehouse Subs loan about $389K, 1.59% failure rate across 170 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Firehouse Subs

$389K

Typical loan

range $249K–$564K

$433K

Est. purchase price

≈ loan ÷ 90%

$57,870

Cash to close

$43,267 down + fees

$5,039/mo

Typical payment

~9.5% · 10yr

$69,538/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

98.4%

Still performing

1.6% default · FY20–23

22 days

Typical time to fund

72

Lenders competing

more = leverage

7.46%

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 Firehouse Subs

Ranked by funded Firehouse Subs loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.1,296 loans · $1.4B · Wilmington, NCFull record →
  2. 2.2,539 loans · $965M · Columbus, OHFull record →
  3. 3.62 loans · $34M · Winter Haven, FLFull record →
  4. 4.78 loans · $79M · New Orleans, LAFull record →
  5. 5.2 loans · $1M · Odessa, TXFull record →
  6. 6.12 loans · $14M · Mobile, ALFull record →
  7. 7.1 loans · $2M · Kalispell, MTFull record →
  8. 8.618 loans · $171M · Salt Lake City, UTFull record →
  9. 9.328 loans · $134M · Cleveland, OHFull record →
  10. 10.62 loans · $21M · Saint Cloud, MNFull record →
  11. 11.66 loans · $68M · Milford, IAFull record →
  12. 12.31 loans · $8M · South Bend, INFull record →
  13. 13.128 loans · $40M · Wilmington, DEFull record →
  14. 14.168 loans · $205M · Fishers, INFull record →
  15. 15.6 loans · $2M · Omaha, NEFull record →
  16. 16.31 loans · $11M · Green Bay, WIFull record →
  17. 17.24 loans · $21M · Raleigh, NCFull record →
  18. 18.149 loans · $135M · Mukwonago, WIFull record →
  19. 19.28 loans · $42M · Lehi, UTFull record →
  20. 20.104 loans · $100M · Portsmouth, VAFull record →
  21. 21.4 loans · $2M · Dallas, TXFull record →
  22. 22.42 loans · $48M · Los Angeles, CAFull record →
  23. 23.70 loans · $22M · Melrose, MNFull record →
  24. 24.105 loans · $164M · Brookline, MAFull record →
  25. 25.1 loans · $1M · Lincoln, NEFull record →

170+ funded Firehouse 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.

  • 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
  • GW Watson Marketplace LLC in Buckeye, AZ — $2.6M (2025) · purchase · Live Oak Banking Company
  • Sean and Stephanie Investments Inc. in Mansfield, GA — $1.4M (2025) · Central Bank
  • KARRENBROCK TRANSPORT, LLC in Wentzville, MO — $1.1M (2025) · purchase · Live Oak Banking Company
  • MMW Mansfield LLC in Mansfield, LA — $952K (2025) · The Huntington National Bank
  • ARich Ventures LLC in Pleasanton, CA — $692K (2025) · FWBank
  • SAB II, LLC in Richmond, TX — $500K (2025) · Live Oak Banking Company
  • Subs AZ#2 LLC in Tucson, AZ — $460K (2025) · Gulf Coast Bank and Trust Company
  • TE DEVELOPMENT LLC in Saint Croix Falls, WI — $447K (2025) · Nicolet National Bank
  • S&M Subs, LLC in Laramie, WY — $400K (2025) · First National Bank of Omaha
  • T&K Subs 2, LLC in Loveland, CO — $365K (2025) · First National Bank of Omaha

Buying a Firehouse 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.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Firehouse Subs businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Firehouse 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. Live Oak Banking Company funds the most. CapBench is not a lender.

  • $389K typical Firehouse Subs loan
  • 1.59% failure rate (FY20–23)
  • 72 lenders fund the brand
  • 22 days typical to fund

Buyers researching a Firehouse 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.

Next steps

Pre-qualify this dealTalk to a loan brokerFirehouse Subs record
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/lenders/franchise/firehouse-subs
API:
https://www.capbench.com/api/public/lenders?franchise=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.
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