Food & Restaurants · lender intelligence

How to finance a Firehouse Subs in Tennessee

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 Tennessee, 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 Tennessee

$450K

Typical loan

range $250K–$588K

$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

53 days

Typical time to fund

Lenders competing

more = leverage

7.82%

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 Tennessee

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

1.104 loans · $100M · Portsmouth, VAFull record →
2.24 loans · $21M · Raleigh, NCFull record →
3.62 loans · $21M · Saint Cloud, MNFull record →
4.105 loans · $164M · Brookline, MAFull record →
5.62 loans · $34M · Winter Haven, FLFull record →

7+ funded Firehouse Subs in Tennessee 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.

ISP Corp DBA Firehouse Subs / Supreme Subs in Columbia, TN — $250K (2025) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
6 days
Approved
10/10/2024
First disbursed
10/16/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
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
Ridge Fire Inc. in Knoxville, TN — $564K (2024) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
126 months
SBA guaranteed
$423K (75%)
Approved
5/23/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
84
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
EDENS SUB SHOP I, LLC in Hermitage, TN — $682K (2023) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$512K (75%)
Approval → funding
9 days
Approved
10/22/2022
First disbursed
10/31/2022
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Swain Station Inc in Knoxville, TN — $588K (2021) · purchase · North State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$441K (75%)
Approval → funding
53 days
Approved
10/8/2020
First disbursed
11/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$653K
Est. down payment (10%)
$65K
Est. cash at closing
$87K
Monthly payment
$6,528
Annual debt service
$78K
Cash flow needed (1.25×)
$98K
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 North State Bank · Lender record →
Your business? Claim this record · Request removal
Max Management Inc. in Germantown, TN — $450K (2021) · TowneBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$405K (90%)
Approval → funding
84 days
Approved
4/19/2021
First disbursed
7/12/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
Firehouse Subs in Knoxville, TN — $286K (2021) · purchase · North State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$257K (90%)
Approval → funding
35 days
Approved
6/10/2021
First disbursed
7/15/2021
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
$317K
Est. down payment (10%)
$32K
Est. cash at closing
$42K
Monthly payment
$3,170
Annual debt service
$38K
Cash flow needed (1.25×)
$48K
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 North State Bank · Lender record →
Your business? Claim this record · Request removal
Max Management Inc. in Germantown, TN — $25K (2021) · TowneBank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
84 days
Approved
4/19/2021
First disbursed
7/12/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

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

$389K typical Firehouse Subs loan
5 lenders active in Tennessee
7+ funded Tennessee deals
53 days typical to fund

Buyers buying a Firehouse Subs in Tennessee 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/tennessee
API:: https://www.capbench.com/api/public/lenders?franchise=firehouse-subs&state=TN
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.