Food & Restaurants · lender intelligence
How to finance a Firehouse Subs in Virginia
The SBA 7(a) lenders funding the most Firehouse Subs deals in Virginia, 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 Virginia
$244K
Typical loan
range $148K–$379K
$271K
Est. purchase price
≈ loan ÷ 90%
$36,217
Cash to close
$27,078 down + fees
$3,567/mo
Typical payment
~12.5% · 10yr
$49,225/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
6
Lenders competing
more = leverage
7.57%
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 Virginia
Ranked by funded Firehouse Subs loans in Virginia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.12 loans · $14M · Mobile, ALFull record →
- 2.1 loans · $1M · Lincoln, NEFull record →
- 3.78 loans · $79M · New Orleans, LAFull record →
- 4.128 loans · $40M · Wilmington, DEFull record →
- 5.1 loans · $0M · St. Louis, MOFull record →
10+ funded Firehouse Subs in Virginia 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.
- Kasongo Fire LLC in Roanoke, VA — $719K (2024) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $539K (75%)
- Approval → funding
- 14 days
- Approved
- 6/24/2024
- 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
- 62
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $799K
- Est. down payment (10%)
- $80K
- Est. cash at closing
- $110K
- Monthly payment
- $9,702
- Annual debt service
- $116K
- Cash flow needed (1.25×)
- $146K
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 Pinnacle Bank · Lender record →
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- Salem Fire Kitchen, LLC in Salem, VA — $185K (2024) · purchase · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $139K (75%)
- Approval → funding
- 47 days
- Approved
- 8/8/2024
- First disbursed
- 9/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $206K
- Est. down payment (10%)
- $21K
- Est. cash at closing
- $27K
- Monthly payment
- $2,496
- Annual debt service
- $30K
- Cash flow needed (1.25×)
- $37K
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 Pinnacle Bank · Lender record →
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- Z2A LLC in Sterling, VA — $25K (2023) · PNC Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 12.9% variable
- Term
- 112 months
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 2 days
- Approved
- 1/31/2023
- First disbursed
- 2/2/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by PNC Bank, National Association · Lender record →
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- Castro FH, LLC in Fairfax, VA — $595K (2022) · purchase · Luminate Bank
- Program
- 7a General
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $446K (75%)
- Approval → funding
- 78 days
- Approved
- 12/2/2021
- First disbursed
- 2/18/2022
- Loan status
- Paid in full (3/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $661K
- Est. down payment (10%)
- $66K
- Est. cash at closing
- $88K
- Monthly payment
- $6,531
- 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 Luminate Bank
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- Hollywood Business Services LLC in Hampton, VA — $284K (2022) · purchase · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $213K (75%)
- Approval → funding
- 15 days
- Approved
- 2/18/2022
- First disbursed
- 3/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 21
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $316K
- Est. down payment (10%)
- $32K
- Est. cash at closing
- $42K
- Monthly payment
- $3,153
- Annual debt service
- $38K
- Cash flow needed (1.25×)
- $47K
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
- Castro FH, LLC in Herndon, VA — $180K (2022) · Luminate Bank
- Program
- 7a General
- Rate at approval
- 6.5% variable
- Term
- 126 months
- SBA guaranteed
- $135K (75%)
- Approval → funding
- 2 days
- Approved
- 6/29/2022
- First disbursed
- 7/1/2022
- 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
- 17
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Luminate Bank
Your business? Claim this record · Request removal
- Hollywood Business Services LLC in Virginia Beach, VA — $120K (2022) · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $90K (75%)
- Approval → funding
- 15 days
- Approved
- 4/20/2022
- First disbursed
- 5/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 21
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
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- Firehouse Subs in Centreville, VA — $379K (2021) · purchase · 22nd State Bank, A Division of 22nd State Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $341K (90%)
- Approval → funding
- 14 days
- Approved
- 3/8/2021
- First disbursed
- 3/22/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $421K
- Est. down payment (10%)
- $42K
- Est. cash at closing
- $56K
- Monthly payment
- $4,208
- Annual debt service
- $50K
- 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 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
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- BWISS3, LLC in Roanoke, VA — $244K (2021) · First Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% fixed
- Term
- 62 months
- SBA guaranteed
- $122K (50%)
- Approval → funding
- 92 days
- Approved
- 12/3/2020
- First disbursed
- 3/5/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Bank · Lender record →
Your business? Claim this record · Request removal
- Firehouse Subs in Manassas, VA — $148K (2021) · 22nd State Bank, A Division of 22nd State Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $133K (90%)
- Approval → funding
- 72 days
- Approved
- 7/25/2021
- First disbursed
- 10/5/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Firehouse Subs in Virginia? 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 Virginia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Firehouse Subs purchase in Virginia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Virginia deals. 22nd State Bank, A Division of 22nd State Banking Company funds the most here. CapBench is not a lender.
- $389K typical Firehouse Subs loan
- 6 lenders active in Virginia
- 10+ funded Virginia deals
- 15 days typical to fund
Buyers buying a Firehouse Subs in Virginia 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.
- 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.
- 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.