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Food & Restaurants · lender intelligence

How to finance a Jimmy John's

The SBA 7(a) lenders funding the most Jimmy John's deals, ranked from public loan records — typical Jimmy John's loan about $520K, 0% failure rate across 160 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Jimmy John's

$520K

Typical loan

range $340K–$865K

$577K

Est. purchase price

≈ loan ÷ 90%

$77,233

Cash to close

$57,744 down + fees

$6,725/mo

Typical payment

~9.5% · 10yr

$92,805/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

22 days

Typical time to fund

70

Lenders competing

more = leverage

7.04%

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 Jimmy John's

Ranked by funded Jimmy John's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.2,539 loans · $965M · Columbus, OHFull record →
  2. 2.1,296 loans · $1.4B · Wilmington, NCFull record →
  3. 3.28 loans · $42M · Lehi, UTFull record →
  4. 4.116 loans · $120M · Evansville, INFull record →
  5. 5.5 loans · $3M · Cold Spring, MNFull record →
  6. 6.5 loans · $2M · Hager City, WIFull record →
  7. 7.46 loans · $27M · Sartell, MNFull record →
  8. 8.20 loans · $10M · Newark, OHFull record →
  9. 9.1 loans · $1M · Lincoln, NEFull record →
  10. 10.20 loans · $8M · Saint Petersburg, FLFull record →
  11. 11.78 loans · $79M · New Orleans, LAFull record →
  12. 12.1,025 loans · $292M · Berkeley Heights, NJFull record →
  13. 13.149 loans · $135M · Mukwonago, WIFull record →
  14. 14.6 loans · $2M · Omaha, NEFull record →
  15. 15.12 loans · $5M · Fargo, NDFull record →
  16. 16.20 loans · $14M · Arlington Heights, ILFull record →
  17. 17.36 loans · $46M · Los Angeles, CAFull record →
  18. 18.103 loans · $64M · Indiana, PAFull record →
  19. 19.21 loans · $5M · Spartanburg, SCFull record →
  20. 20.26 loans · $42M · Chicago, ILFull record →
  21. 21.7 loans · $3M · Walnut Creek, CAFull record →
  22. 22.1 loans · $0M · Pierce, NEFull record →
  23. 23.34 loans · $12M · Wood River, NEFull record →
  24. 24.12 loans · $8M · Bakersfield, CAFull record →
  25. 25.12 loans · $3M · Loretto, MNFull record →

160+ funded Jimmy John'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.

  • TAYLOR INVESTMENTS ORO VALLEY LLC in Oro Valley, AZ — $2.5M (2026) · Wells Fargo Bank National Association
  • Abdou Enterprises II, LLC in Bethlehem, GA — $1.8M (2026) · First Port City Bank
  • TANISH LLC in Delaware, OH — $634K (2026) · The Huntington National Bank
  • BUT WE WERE ON A BREAK LLC in Buffalo, MN — $580K (2026) · BankVista
  • BRK Restaurant Group 4 LLC in Sunbury, OH — $513K (2026) · The Huntington National Bank
  • NV SUBS #2 LLC in Hickory, NC — $500K (2026) · Live Oak Banking Company
  • Joben Enterprise, L.L.C. in Kearney, NE — $468K (2026) · First National Bank of Omaha
  • BRK Restaurant Group 4 LLC in Sunbury, OH — $50K (2026) · The Huntington National Bank
  • TANISH LLC in Delaware, OH — $25K (2026) · The Huntington National Bank
  • JacksSubs, Inc. in Wheeling, IL — $3.2M (2025) · Live Oak Banking Company
  • Two Knuckleheads, LLC in Terre Haute, IN — $2.6M (2025) · Old National Bank
  • The Brunsch Group LLC in Jackson, MI — $1.8M (2025) · Fifth Third Bank
  • RRB PROPERTIES GROUP LLC in Medford, OR — $1.5M (2025) · First Business Bank
  • YELM SUBS LLC in Yelm, WA — $998K (2025) · Heritage Bank
  • Braakholter, LLC in Saint Paul, MN — $881K (2025) · BankVista
  • NNP Subs 1812 LLC in Hagerstown, MD — $865K (2025) · purchase · Bank of Clarke
  • Tumwater Subs, LLC in Tumwater, WA — $780K (2025) · Heritage Bank
  • BROOKLYN CALEDONIA IV LLC in Brooklyn, NY — $695K (2025) · Heritage Bank Inc
  • ZIMMERMAN LUNCH MONEY LLC in Zimmerman, MN — $685K (2025) · BankVista
  • Dacono Subs LLC in Frederick, CO — $580K (2025) · ConnectOne Bank

Buying a Jimmy John's? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Jimmy John's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Jimmy John'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. The Huntington National Bank funds the most. CapBench is not a lender.

  • $520K typical Jimmy John's loan
  • 0% failure rate (FY20–23)
  • 70 lenders fund the brand
  • 22 days typical to fund

Buyers researching a Jimmy John'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.

Next steps

Pre-qualify this dealTalk to a loan brokerJimmy John's record
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-19.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/franchise/jimmy-john-s
API:
https://www.capbench.com/api/public/lenders?franchise=jimmy-john-s
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.
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