Food & Restaurants · lender intelligence
How to finance a Jersey Mike's
The SBA 7(a) lenders funding the most Jersey Mike's deals, ranked from public loan records — typical Jersey Mike's loan about $431K, 0% failure rate across 259 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Jersey Mike's
$431K
Typical loan
range $350K–$540K
$479K
Est. purchase price
≈ loan ÷ 90%
$64,081
Cash to close
$47,911 down + fees
$5,580/mo
Typical payment
~9.5% · 10yr
$77,004/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
24 days
Typical time to fund
77
Lenders competing
more = leverage
7.22%
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 Jersey Mike's
Ranked by funded Jersey Mike's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.149 loans · $135M · Mukwonago, WIFull record →
- 4.66 loans · $68M · Milford, IAFull record →
- 5.62 loans · $34M · Winter Haven, FLFull record →
- 6.24 loans · $17M · Wayne, PAFull record →
- 7.1,927 loans · $207M · Buffalo, NYFull record →
- 8.1 loans · $0M · Smithfield, RIFull record →
- 9.34 loans · $19M · Arden Hills, MNFull record →
- 10.328 loans · $134M · Cleveland, OHFull record →
- 11.868 loans · $362M · Salt Lake City, UTFull record →
- 12.28 loans · $42M · Lehi, UTFull record →
- 13.17 loans · $9M · Saint Charles, ILFull record →
- 14.16 loans · $9M · Effingham, ILFull record →
- 15.13 loans · $1M · Minerva, OHFull record →
- 16.2 loans · $0M · Storm Lake, IAFull record →
- 17.9 loans · $13M · Atlanta, GAFull record →
- 18.4 loans · $4M · El Campo, TXFull record →
- 19.12 loans · $8M · Wheeling, WVFull record →
- 20.284 loans · $254M · Cincinnati, OHFull record →
- 21.60 loans · $40M · Clayton, MOFull record →
- 22.15 loans · $20M · Madisonville, KYFull record →
- 23.34 loans · $57M · Charlotte, NCFull record →
- 24.88 loans · $96M · Muncie, INFull record →
- 25.20 loans · $8M · Saint Petersburg, FLFull record →
259+ funded Jersey Mike's 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.
- PMG 56 LLC, Chan Series in Chanhassen, MN — $3.4M (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.74% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.5M (75%)
- Approved
- 3/4/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 38
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $3.7M
- Est. down payment (10%)
- $372K
- Est. cash at closing
- $514K
- Monthly payment
- $40,186
- Annual debt service
- $482K
- Cash flow needed (1.25×)
- $603K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- IN HIS GRIP JM LLC in Carlsbad, CA — $1.1M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $810K (75%)
- Approval → funding
- 30 days
- Approved
- 1/27/2026
- First disbursed
- 2/26/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- JM 2795 Richmond LLC in Staten Island, NY — $850K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.24% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $638K (75%)
- Approval → funding
- 17 days
- Approved
- 1/12/2026
- First disbursed
- 1/29/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Jersey Mikes 27120 in Downers Grove, IL — $730K (2026) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 126 months
- SBA guaranteed
- $548K (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
- FLAG CITY SUBS LLC in Davison, MI — $707K (2026) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $530K (75%)
- Approval → funding
- 25 days
- Approved
- 11/24/2025
- First disbursed
- 12/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 44
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
- JM Ellington LLC in Ellington, CT — $700K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 126 months
- SBA guaranteed
- $525K (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- 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
- JM Portland LLC in Portland, CT — $700K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 126 months
- SBA guaranteed
- $525K (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- 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
- JM Lisbon LLC in Lisbon, CT — $700K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 126 months
- SBA guaranteed
- $525K (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- 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
- Becker Sandwich Shops, LLC in Radcliff, KY — $649K (2026) · WesBanco Bank, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $487K (75%)
- Approved
- 11/20/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by WesBanco Bank, Inc. · Lender record →
Your business? Claim this record · Request removal
- JM 467 86th LLC in Brooklyn, NY — $625K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.24% variable
- Term
- 126 months
- SBA guaranteed
- $469K (75%)
- Approved
- 1/29/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- 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
- JM Stewart Subs 1, LLC in Lebanon, MO — $604K (2026) · Heritage Bank of the Ozarks
- Program
- 7a General
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $453K (75%)
- Approved
- 1/12/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Heritage Bank of the Ozarks · Lender record →
Your business? Claim this record · Request removal
- Tigmann-Elkton Inc. in Elkton, MD — $553K (2026) · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $415K (75%)
- Approval → funding
- 33 days
- Approved
- 1/22/2026
- First disbursed
- 2/24/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- JM Ellington LLC in Ellington, CT — $550K (2026) · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $413K (75%)
- Approved
- 11/13/2025
- Loan status
- Cancelled
- 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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- LCP Tooele West Valley LLC in Tooele, UT — $540K (2026) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 7.1% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $405K (75%)
- Approved
- 2/20/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
- 317 Subs Inc in Noblesville, IN — $350K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.49% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 5 days
- Approved
- 11/14/2025
- First disbursed
- 11/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 23
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- WTP Ludlow LLC in Ludlow, MA — $350K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.24% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/20/2026
- Loan status
- Committed
- 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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- CL4 LLC in Bartlett, IL — $307K (2026) · St. Charles Bank & Trust Company, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $230K (75%)
- Approval → funding
- 29 days
- Approved
- 12/9/2025
- First disbursed
- 1/7/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by St. Charles Bank & Trust Company, National Association · Lender record →
Your business? Claim this record · Request removal
- DM LI Subs, Inc. in Northport, NY — $150K (2026) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 47 days
- Approved
- 11/13/2025
- First disbursed
- 12/30/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 78
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,920
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- DGMG NYC III Corp. in Northport, NY — $2.3M (2025) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.7M (75%)
- Approval → funding
- 51 days
- Approved
- 9/30/2025
- First disbursed
- 11/20/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 85
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.6M
- Est. down payment (10%)
- $259K
- Est. cash at closing
- $357K
- Monthly payment
- $27,658
- Annual debt service
- $332K
- Cash flow needed (1.25×)
- $415K
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
- Opportunities Restaurant Group, LLC in Washington, DC — $2.2M (2025) · WesBanco Bank, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 62 days
- Approved
- 4/4/2025
- First disbursed
- 6/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by WesBanco Bank, Inc. · Lender record →
Your business? Claim this record · Request removal
Buying a Jersey Mike's? Start with a lender that has funded the brand
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Jersey Mike's businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Jersey Mike's purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.
- $431K typical Jersey Mike's loan
- 0% failure rate (FY20–23)
- 77 lenders fund the brand
- 24 days typical to fund
Buyers researching a Jersey Mike's typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- 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.