Food & Restaurants · lender intelligence

How to finance a Firehouse Subs in Ohio

State:

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

$229K

Typical loan

range $190K–$739K

$255K

Est. purchase price

≈ loan ÷ 90%

$34,048

Cash to close

$25,456 down + fees

$3,353/mo

Typical payment

~12.5% · 10yr

$46,271/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

34 days

Typical time to fund

Lenders competing

more = leverage

5.54%

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 Ohio

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

1.1 loans · $1M · Cuba, MOFull record →
2.2,539 loans · $965M · Columbus, OHFull record →

4+ funded Firehouse Subs in Ohio 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.

Firehouse Subs in Pickerington, OH — $739K (2021) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
4.14% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$665K (90%)
Approval → funding
34 days
Approved
9/27/2021
First disbursed
10/31/2021
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
TDS Restaurant Group, LLC in Lancaster, OH — $229K (2021) · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$206K (90%)
Approval → funding
32 days
Approved
8/1/2021
First disbursed
9/2/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Peoples Bank · Lender record →
Your business? Claim this record · Request removal
Patel Subs Inc in Findlay, OH — $190K (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$171K (90%)
Approval → funding
2 days
Approved
9/28/2021
First disbursed
9/30/2021
Loan status
Paid in full (9/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$211K
Est. down payment (10%)
$21K
Est. cash at closing
$28K
Monthly payment
$2,109
Annual debt service
$25K
Cash flow needed (1.25×)
$32K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
TDS Restaurant Group, LLC in Newark, OH — $176K (2021) · purchase · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$132K (75%)
Approval → funding
65 days
Approved
11/25/2020
First disbursed
1/29/2021
Loan status
Paid in full (10/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$195K
Est. down payment (10%)
$20K
Est. cash at closing
$26K
Monthly payment
$1,948
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
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 Peoples Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Firehouse Subs in Ohio? 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 Ohio project address. Mega-bank call-center lenders excluded.

Agent summary

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

$389K typical Firehouse Subs loan
3 lenders active in Ohio
4+ funded Ohio deals
34 days typical to fund

Buyers buying a Firehouse Subs in Ohio 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 2026-06-17.
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/ohio
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.