Food & Restaurants · lender intelligence
How to finance a Firehouse Subs in Alabama
The SBA 7(a) lenders funding the most Firehouse Subs deals in Alabama, from public loan records — typical Firehouse Subs loan about $389K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Firehouse Subs in Alabama
$570K
Typical loan
range $510K–$585K
$633K
Est. purchase price
≈ loan ÷ 90%
$84,708
Cash to close
$63,333 down + fees
$7,376/mo
Typical payment
~9.5% · 10yr
$101,789/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
6 days
Typical time to fund
3
Lenders competing
more = leverage
8.81%
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 in Alabama
Ranked by funded Firehouse Subs loans in Alabama. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.66 loans · $68M · Milford, IAFull record →
- 2.42 loans · $48M · Los Angeles, CAFull record →
- 3.1,296 loans · $1.4B · Wilmington, NCFull record →
4+ funded Firehouse Subs in Alabama 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.
- Luis Family Restaurants, LLC in Pike Road, AL — $350K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.24% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 3 days
- Approved
- 2/24/2026
- First disbursed
- 2/27/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- FIREHOUSE SUBS#00306 in Mobile, AL — $585K (2023) · purchase · Centerstone SBA Lending, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $439K (75%)
- Approval → funding
- 54 days
- Approved
- 1/12/2023
- First disbursed
- 3/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $650K
- Est. down payment (10%)
- $65K
- Est. cash at closing
- $87K
- Monthly payment
- $7,570
- Annual debt service
- $91K
- Cash flow needed (1.25×)
- $114K
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 Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
- Sword & Shield, Inc. in Hoover, AL — $570K (2023) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $428K (75%)
- Approval → funding
- 6 days
- Approved
- 6/23/2023
- First disbursed
- 6/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
- Sword & Shield, Inc. in Sylacauga, AL — $510K (2022) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 126 months
- SBA guaranteed
- $383K (75%)
- Approved
- 3/31/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Firehouse Subs in Alabama? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — 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 Firehouse Subs loans with a Alabama project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Firehouse Subs purchase in Alabama with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Alabama deals. United Community Bank funds the most here. CapBench is not a lender.
- $389K typical Firehouse Subs loan
- 3 lenders active in Alabama
- 4+ funded Alabama deals
- 6 days typical to fund
Buyers buying a Firehouse Subs in Alabama typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
- 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.