Food & Restaurants · lender intelligence

How to finance a Jon Smith Subs

State:

The SBA 7(a) lenders funding the most Jon Smith Subs deals, ranked from public loan records — typical Jon Smith Subs loan about $500K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Jon Smith Subs

$500K

Typical loan

range $403K–$524K

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

16 days

Typical time to fund

Lenders competing

more = leverage

7.09%

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 Jon Smith Subs

Ranked by funded Jon Smith Subs loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.149 loans · $135M · Mukwonago, WIFull record →
2.1 loans · $1M · Lincoln, NEFull record →
3.105 loans · $164M · Brookline, MAFull record →

8+ funded Jon Smith Subs 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.

Addscott Corporation in West Palm Beach, FL — $412K (2026) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$309K (75%)
Approval → funding
10 days
Approved
12/12/2025
First disbursed
12/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$458K
Est. down payment (10%)
$46K
Est. cash at closing
$61K
Monthly payment
$5,275
Annual debt service
$63K
Cash flow needed (1.25×)
$79K
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 →
Your business? Claim this record · Request removal
K & J Restaurant Management, LLC in Frisco, TX — $500K (2023) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
101 months
SBA guaranteed
$375K (75%)
Approval → funding
42 days
Approved
2/9/2023
First disbursed
3/23/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Jy Establishment Food Service LLC in Cypress, TX — $524K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
106 months
SBA guaranteed
$393K (75%)
Approval → funding
21 days
Approved
7/19/2022
First disbursed
8/9/2022
Loan status
Failed — $468K charged off (9/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Tenn-Vir-Tucky Enterprises Inc. in Harrogate, TN — $57K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$49K (85%)
Approval → funding
7 days
Approved
11/23/2021
First disbursed
11/30/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
51
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
HMS Ventures Inc. in Pleasanton, CA — $2.7M (2021) · purchase · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (75%)
Approved
12/13/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
250
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$295K
Est. cash at closing
$407K
Monthly payment
$29,476
Annual debt service
$354K
Cash flow needed (1.25×)
$442K
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 Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Tenn-Vir-Tucky Enterprises Inc. in Harrogate, TN — $403K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$362K (90%)
Approval → funding
16 days
Approved
7/15/2021
First disbursed
7/31/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Crispeno Realty, Inc. in Edmonds, WA — $300K (2021) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$270K (90%)
Approval → funding
3 days
Approved
2/25/2021
First disbursed
2/28/2021
Loan status
Paid in full (8/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Offices of Real Estate Agents and Brokers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
GT Vet, LLC in Virginia Beach, VA — $500K (2020) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
126 months
SBA guaranteed
$375K (75%)
Approval → funding
98 days
Approved
4/24/2020
First disbursed
7/31/2020
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
32
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal

Buying a Jon Smith Subs? 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 Jon Smith Subs businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Jon Smith Subs 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. Citizens Bank funds the most. CapBench is not a lender.

$500K typical Jon Smith Subs loan
4 lenders fund the brand
16 days typical to fund

Buyers researching a Jon Smith Subs 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 deal Talk to a loan broker Jon Smith Subs 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/jon-smith-subs
API:: https://www.capbench.com/api/public/lenders?franchise=jon-smith-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.