Food & Restaurants · lender intelligence

How to finance a Firehouse Subs in Georgia

State:

Alabama (4)Alaska (2)Arizona (5)California (11)Colorado (7)Florida (16)Idaho (2)Illinois (2)Indiana (1)Iowa (1)Kansas (3)Kentucky (4)

The SBA 7(a) lenders funding the most Firehouse Subs deals in Georgia, 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 Georgia

$450K

Typical loan

range $253K–$786K

$500K

Est. purchase price

≈ loan ÷ 90%

$66,875

Cash to close

$50,000 down + fees

$5,823/mo

Typical payment

~9.5% · 10yr

$80,357/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

6.85%

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 Georgia

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

1.62 loans · $34M · Winter Haven, FLFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →
4.2 loans · $0M · Storm Lake, IAFull record →
5.32 loans · $54M · Tupelo, MSFull record →
6.78 loans · $79M · New Orleans, LAFull record →
7.46 loans · $47M · Asheville, NCFull record →
8.7 loans · $9M · Memphis, TNFull record →

12+ funded Firehouse Subs in Georgia 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.

DRIM 3005 LLC in Johns Creek, GA — $200K (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.24% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approved
1/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,670
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Sean and Stephanie Investments Inc. in Mansfield, GA — $1.4M (2025) · Central Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
14 days
Approved
4/4/2025
First disbursed
4/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Central Bank · Lender record →
Your business? Claim this record · Request removal
KHADIJAH92 INC in Atlanta, GA — $253K (2025) · Renasant Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$190K (75%)
Approval → funding
67 days
Approved
1/6/2025
First disbursed
3/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
SUBperb Sandwiches of Georgia, LLC in Fairburn, GA — $786K (2022) · purchase · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$590K (75%)
Approval → funding
14 days
Approved
3/2/2022
First disbursed
3/16/2022
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
67
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$873K
Est. down payment (10%)
$87K
Est. cash at closing
$120K
Monthly payment
$8,628
Annual debt service
$104K
Cash flow needed (1.25×)
$129K
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Firehouse Subs in Duluth, GA — $649K (2022) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$487K (75%)
Approval → funding
15 days
Approved
3/1/2022
First disbursed
3/16/2022
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
38
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
Kennedy ATL Enterprises, LLC in Alpharetta, GA — $324K (2022) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$243K (75%)
Approval → funding
8 days
Approved
1/6/2022
First disbursed
1/14/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Afshan Enterprises Inc. in Kennesaw, GA — $270K (2022) · purchase · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$203K (75%)
Approval → funding
11 days
Approved
3/21/2022
First disbursed
4/1/2022
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$300K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$2,864
Annual debt service
$34K
Cash flow needed (1.25×)
$43K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
Willexis LLC in Cordele, GA — $450K (2021) · Paragon Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$405K (90%)
Approval → funding
2 days
Approved
7/29/2021
First disbursed
7/31/2021
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
33
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Paragon Bank · Lender record →
Your business? Claim this record · Request removal
Downey Foods, LLC in Toccoa, GA — $450K (2021) · Queensborough National Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
84 mo (7 yrs)
SBA guaranteed
$405K (90%)
Approval → funding
72 days
Approved
8/17/2021
First disbursed
10/28/2021
Loan status
Paid in full (2/28/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Queensborough National Bank and Trust Company
Your business? Claim this record · Request removal
P&C Ventures, LLC in Lilburn, GA — $183K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$165K (90%)
Approval → funding
14 days
Approved
7/21/2021
First disbursed
8/4/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Two Crows Properties, LLC in Commerce, GA — $1.4M (2020) · SouthState Bank, National Association
Program
7a General
Rate at approval
5.25% variable
Term
306 months
SBA guaranteed
$1.1M (75%)
Approval → funding
38 days
Approved
7/24/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
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
Dubs and Subs LLC in Johns Creek, GA — $231K (2020) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$173K (75%)
Approval → funding
21 days
Approved
8/10/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Firehouse Subs in Georgia? 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.

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

Agent summary

How to finance a Firehouse Subs purchase in Georgia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Georgia deals. SouthState Bank, National Association funds the most here. CapBench is not a lender.

$389K typical Firehouse Subs loan
9 lenders active in Georgia
12+ funded Georgia deals
14 days typical to fund

Buyers buying a Firehouse Subs in Georgia 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Firehouse Subs lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
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/georgia
API:: https://www.capbench.com/api/public/lenders?franchise=firehouse-subs&state=GA
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.