Food & Restaurants · lender intelligence

How to finance a Firehouse Subs in Texas

State:

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

$390K

Typical loan

range $277K–$642K

$433K

Est. purchase price

≈ loan ÷ 90%

$57,899

Cash to close

$43,289 down + fees

$5,041/mo

Typical payment

~9.5% · 10yr

$69,566/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

6.94%

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 Texas

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

1.4 loans · $2M · Dallas, TXFull record →
2.128 loans · $40M · Wilmington, DEFull record →
3.328 loans · $134M · Cleveland, OHFull record →
4.44 loans · $52M · Wallis, TXFull record →
5.32 loans · $54M · Houston, TXFull record →
6.1,296 loans · $1.4B · Wilmington, NCFull record →
7.2 loans · $0M · Pine Bluff, ARFull record →
8.19 loans · $5M · Bessemer, ALFull record →
9.2,539 loans · $965M · Columbus, OHFull record →
10.8 loans · $17M · Hilton Head Island, SCFull record →
11.62 loans · $21M · Saint Cloud, MNFull record →
12.105 loans · $164M · Brookline, MAFull record →
13.2 loans · $1M · Odessa, TXFull record →

17+ funded Firehouse Subs in Texas 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.

SAB II, LLC in Richmond, TX — $500K (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.99% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
107 days
Approved
5/21/2025
First disbursed
9/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Garam Sub LLC in Manvel, TX — $642K (2024) · Southwestern National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
124 months
SBA guaranteed
$481K (75%)
Approval → funding
70 days
Approved
8/16/2024
First disbursed
10/25/2024
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Southwestern National Bank · Lender record →
Your business? Claim this record · Request removal
Cowtown Sandwich Works, LLC in Murphy, TX — $277K (2024) · Coastal States Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$207K (75%)
Approval → funding
108 days
Approved
3/22/2024
First disbursed
7/8/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Coastal States Bank · Lender record →
Your business? Claim this record · Request removal
AMR Group LLC in Houston, TX — $189K (2023) · Wallis Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$142K (75%)
Approval → funding
15 days
Approved
3/6/2023
First disbursed
3/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
ROR United LLC in Frisco, TX — $1.1M (2022) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
200 months
SBA guaranteed
$818K (75%)
Approval → funding
11 days
Approved
10/28/2021
First disbursed
11/8/2021
Loan status
Paid in full (4/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
42
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Don Pereira LLC in Rosenberg, TX — $685K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$514K (75%)
Approval → funding
10 days
Approved
7/26/2022
First disbursed
8/5/2022
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
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Legendary Grit, Inc in Stephenville, TX — $521K (2022) · First Financial Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$391K (75%)
Approved
7/15/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
42
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by First Financial Bank · Lender record →
Your business? Claim this record · Request removal
ISUBS LLC in Plano, TX — $350K (2022) · PNC Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.03% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
7 days
Approved
7/28/2022
First disbursed
8/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
A & J Subs, LLC in Conroe, TX — $249K (2022) · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$187K (75%)
Approval → funding
8 days
Approved
5/5/2022
First disbursed
5/13/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Simmons Bank · Lender record →
Your business? Claim this record · Request removal
JS One.5, LLC in Amarillo, TX — $687K (2021) · SouthWest Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$618K (90%)
Approval → funding
49 days
Approved
8/17/2021
First disbursed
10/5/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by SouthWest Bank · Lender record →
Your business? Claim this record · Request removal
CTRG Station 8 LLC in Corpus Christi, TX — $390K (2021) · purchase · Sunflower Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$351K (90%)
Approval → funding
23 days
Approved
6/7/2021
First disbursed
6/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$433K
Est. down payment (10%)
$43K
Est. cash at closing
$58K
Monthly payment
$4,228
Annual debt service
$51K
Cash flow needed (1.25×)
$63K
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 Sunflower Bank National Association · Lender record →
Your business? Claim this record · Request removal
CTRG Station 9, LLC in Portland, TX — $389K (2021) · purchase · Sunflower Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$350K (90%)
Approval → funding
23 days
Approved
6/7/2021
First disbursed
6/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$433K
Est. down payment (10%)
$43K
Est. cash at closing
$58K
Monthly payment
$4,226
Annual debt service
$51K
Cash flow needed (1.25×)
$63K
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 Sunflower Bank National Association · Lender record →
Your business? Claim this record · Request removal
MTB Family Investments, LLC in Cedar Hill, TX — $348K (2021) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$313K (90%)
Approval → funding
14 days
Approved
4/16/2021
First disbursed
4/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
KDC Enterprises, LLC in Red Oak, TX — $275K (2021) · Citizens National Bank of Texas
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
90 months
SBA guaranteed
$138K (50%)
Approval → funding
30 days
Approved
9/20/2021
First disbursed
10/20/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Citizens National Bank of Texas
Your business? Claim this record · Request removal
Cowtown Sandwich Works, LLC in Irving, TX — $1.1M (2020) · purchase · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$848K (75%)
Approval → funding
58 days
Approved
12/4/2019
First disbursed
1/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$126K
Est. cash at closing
$172K
Monthly payment
$12,688
Annual debt service
$152K
Cash flow needed (1.25×)
$190K
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 PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
CTRG Station 1 Incorporated in Lakeway, TX — $475K (2020) · Western State Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$356K (75%)
Approval → funding
30 days
Approved
7/1/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
26
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Western State Bank
Your business? Claim this record · Request removal
Lefty's Subs Inc. in Spring, TX — $100K (2020) · purchase · Stearns Bank National Association
Program
7a General
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
27 days
Approved
3/4/2020
First disbursed
3/31/2020
Loan status
Paid in full (8/31/2024)
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
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,187
Annual debt service
$14K
Cash flow needed (1.25×)
$18K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

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

$389K typical Firehouse Subs loan
15 lenders active in Texas
17+ funded Texas deals
27 days typical to fund

Buyers buying a Firehouse Subs in Texas 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/texas
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.