Food & Restaurants · lender intelligence
How to finance a Firehouse Subs in Florida
The SBA 7(a) lenders funding the most Firehouse Subs deals in Florida, 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 Florida
$345K
Typical loan
range $250K–$515K
$383K
Est. purchase price
≈ loan ÷ 90%
$51,271
Cash to close
$38,333 down + fees
$4,752/mo
Typical payment
~11% · 10yr
$65,578/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
29 days
Typical time to fund
11
Lenders competing
more = leverage
8.5%
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 Florida
Ranked by funded Firehouse Subs loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.62 loans · $34M · Winter Haven, FLFull record →
- 2.70 loans · $22M · Melrose, MNFull record →
- 3.26 loans · $42M · Chicago, ILFull record →
- 4.1,296 loans · $1.4B · Wilmington, NCFull record →
- 5.1,322 loans · $185M · Wilmington, DEFull record →
- 6.9 loans · $13M · Atlanta, GAFull record →
- 7.9 loans · $5M · Wausau, WIFull record →
- 8.12 loans · $14M · Mobile, ALFull record →
- 9.62 loans · $21M · Saint Cloud, MNFull record →
- 10.149 loans · $135M · Mukwonago, WIFull record →
16+ funded Firehouse Subs in Florida 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
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approved
- 11/15/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 80
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $190K
- Est. cash at closing
- $261K
- Monthly payment
- $21,616
- Annual debt service
- $259K
- Cash flow needed (1.25×)
- $324K
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 FWBank · Lender record →
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- STATION 29 LLC in Seminole, FL — $500K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 18 days
- Approved
- 11/17/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- FIRE IT UP SUBS - PEMBROKE, LLC in Pembroke Pines, FL — $268K (2025) · purchase · IncredibleBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $201K (75%)
- Approval → funding
- 48 days
- Approved
- 11/19/2024
- First disbursed
- 1/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $298K
- Est. down payment (10%)
- $30K
- Est. cash at closing
- $40K
- Monthly payment
- $3,579
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $54K
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 IncredibleBank · Lender record →
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- WELLS FAMILY LEGACY INC. in Fort Walton Beach, FL — $200K (2025) · purchase · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 85 days
- Approved
- 5/12/2025
- First disbursed
- 8/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $222K
- Est. down payment (10%)
- $22K
- Est. cash at closing
- $30K
- Monthly payment
- $2,671
- Annual debt service
- $32K
- Cash flow needed (1.25×)
- $40K
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Prov22 Investments LLC in Mary Esther, FL — $193K (2025) · purchase · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $145K (75%)
- Approval → funding
- 2 days
- Approved
- 7/21/2025
- First disbursed
- 7/23/2025
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $214K
- Est. down payment (10%)
- $21K
- Est. cash at closing
- $29K
- Monthly payment
- $2,577
- Annual debt service
- $31K
- Cash flow needed (1.25×)
- $39K
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 Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
- FIREHOUSE SUBS in Lake Mary, FL — $515K (2024) · purchase · 22nd State Bank, A Division of 22nd State Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $386K (75%)
- Approval → funding
- 20 days
- Approved
- 10/13/2023
- First disbursed
- 11/2/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $572K
- Est. down payment (10%)
- $57K
- Est. cash at closing
- $77K
- Monthly payment
- $7,021
- Annual debt service
- $84K
- Cash flow needed (1.25×)
- $105K
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 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
Your business? Claim this record · Request removal
- Firehouse Subs #356 in Tampa, FL — $250K (2024) · purchase · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 3 days
- Approved
- 4/19/2024
- First disbursed
- 4/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $3,479
- Annual debt service
- $42K
- Cash flow needed (1.25×)
- $52K
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- ZERIN RESTAURANT GROUP,LLC in Orlando, FL — $579K (2022) · Ameris Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $434K (75%)
- Approval → funding
- 34 days
- Approved
- 7/22/2022
- First disbursed
- 8/25/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Ameris Bank · Lender record →
Your business? Claim this record · Request removal
- Firehouse Subs of America in Haines City, FL — $480K (2022) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 122 months
- SBA guaranteed
- $360K (75%)
- Approval → funding
- 30 days
- Approved
- 8/3/2022
- First disbursed
- 9/2/2022
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Yarde Family Concessions LLC in Auburndale, FL — $345K (2022) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $259K (75%)
- Approval → funding
- 7 days
- Approved
- 4/20/2022
- First disbursed
- 4/27/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- CODAME ENTERPRISES LLC in Dunedin, FL — $279K (2021) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $251K (90%)
- Approval → funding
- 16 days
- Approved
- 9/14/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- Redline Restaurants Inc in Saint Cloud, FL — $523K (2020) · purchase · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $392K (75%)
- Approval → funding
- 30 days
- Approved
- 10/1/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $581K
- Est. down payment (10%)
- $58K
- Est. cash at closing
- $78K
- Monthly payment
- $6,075
- Annual debt service
- $73K
- Cash flow needed (1.25×)
- $91K
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- CODAME ENTERPRISES LLC in Dunedin, FL — $423K (2020) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $317K (75%)
- Approval → funding
- 29 days
- Approved
- 1/2/2020
- First disbursed
- 1/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Unanswered
- Industry
- Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- PBC FIRE LEAGUE LLC in Palm Beach Gardens, FL — $285K (2020) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 123 months
- SBA guaranteed
- $214K (75%)
- Approval → funding
- 16 days
- Approved
- 2/13/2020
- First disbursed
- 2/29/2020
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- JJ&D Restaurants LLC in Pembroke Pines, FL — $219K (2020) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 124 months
- SBA guaranteed
- $164K (75%)
- Approval → funding
- 89 days
- Approved
- 3/3/2020
- First disbursed
- 5/31/2020
- Loan status
- Paid in full (2/29/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- ITALUSA FOOD & SERVICES INC in Miami, FL — $50K (2020) · TD Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.04% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 76 days
- Approved
- 7/16/2020
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
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Buying a Firehouse Subs in Florida? 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 Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Firehouse Subs purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. SouthState Bank, National Association funds the most here. CapBench is not a lender.
- $389K typical Firehouse Subs loan
- 11 lenders active in Florida
- 16+ funded Florida deals
- 29 days typical to fund
Buyers buying a Firehouse Subs in Florida 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 2026-06-18.
- 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.