Food & Restaurants · lender intelligence
How to finance a Jon Smith Subs in California
The SBA 7(a) lenders funding the most Jon Smith Subs deals in California, from public loan records — typical Jon Smith Subs loan about $500K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Jon Smith Subs in California
$2.65M
Typical loan
range $2.65M–$2.65M
$2.95M
Est. purchase price
≈ loan ÷ 90%
$406,997
Cash to close
$295,000 down + fees
$34,355/mo
Typical payment
~9.5% · 10yr
$474,099/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
1
Lenders competing
more = leverage
6%
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 in California
Ranked by funded Jon Smith Subs loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
No directory lender has enough Jon Smith Subs loans in California to rank yet. See Jon Smith Subs lenders nationwide →
1+ funded Jon Smith Subs in California 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.
- 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.
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Buying a Jon Smith Subs in California? 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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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 Jon Smith Subs loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Jon Smith Subs purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. CapBench is not a lender.
- $500K typical Jon Smith Subs loan
- 1 lenders active in California
- 1+ funded California deals
Buyers buying a Jon Smith Subs in California 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 2026-06-18.
- 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.