Food & Restaurants · lender intelligence

How to finance a Firehouse Subs in Kentucky

State:

Alabama (4)Alaska (2)Arizona (5)California (11)Colorado (7)Florida (16)Georgia (12)Idaho (2)Illinois (2)Indiana (1)Iowa (1)Kansas (3)

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

$130K

Typical loan

range $120K–$642K

$144K

Est. purchase price

≈ loan ÷ 90%

$18,604

Cash to close

$14,444 down + fees

$1,903/mo

Typical payment

~12.5% · 10yr

$26,261/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

28 days

Typical time to fund

Lenders competing

more = leverage

9.12%

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 Kentucky

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

1.12 loans · $3M · Corydon, INFull record →
2.116 loans · $120M · Evansville, INFull record →

4+ funded Firehouse Subs in Kentucky 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.

CCG Stores, LLC in Louisville, KY — $65K (2025) · First Harrison Bank
Program
7a General
Rate at approval
9.5% variable
Term
36 mo (3 yrs)
SBA guaranteed
$55K (85%)
Approval → funding
16 days
Approved
3/26/2025
First disbursed
4/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Partnership
Jobs supported
24
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by First Harrison Bank · Lender record →
Your business? Claim this record · Request removal
Colossal 54, LLC in Owensboro, KY — $642K (2024) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$481K (75%)
Approval → funding
28 days
Approved
11/10/2023
First disbursed
12/8/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
Colossal 54, LLC in Owensboro, KY — $130K (2024) · Old National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$65K (50%)
Approval → funding
25 days
Approved
11/10/2023
First disbursed
12/5/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal
CCG Store 2, LLC in Louisville, KY — $120K (2022) · First Harrison Bank
Program
7a General
Rate at approval
8.24% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$102K (85%)
Approval → funding
65 days
Approved
8/30/2022
First disbursed
11/3/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Harrison Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Firehouse Subs in Kentucky? 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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

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

$389K typical Firehouse Subs loan
2 lenders active in Kentucky
4+ funded Kentucky deals
28 days typical to fund

Buyers buying a Firehouse Subs in Kentucky 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 2026-06-24.
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/kentucky
API:: https://www.capbench.com/api/public/lenders?franchise=firehouse-subs&state=KY
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.