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Food & Restaurants · lender intelligence

How to finance a Subway

The SBA 7(a) lenders funding the most Subway deals, ranked from public loan records — typical Subway loan about $210K, 2.46% failure rate across 367 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Subway

$210K

Typical loan

range $80K–$414K

$233K

Est. purchase price

≈ loan ÷ 90%

$31,208

Cash to close

$23,333 down + fees

$3,074/mo

Typical payment

~12.5% · 10yr

$42,421/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

97.5%

Still performing

2.5% default · FY20–23

24 days

Typical time to fund

143

Lenders competing

more = leverage

7.79%

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 Subway

Ranked by funded Subway 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. 2.1,927 loans · $207M · Buffalo, NYFull record →
  3. 3.36 loans · $51M · Carmel, INFull record →
  4. 4.62 loans · $21M · Saint Cloud, MNFull record →
  5. 5.1 loans · $1M · Cuba, MOFull record →
  6. 6.9 loans · $10M · Warren, PAFull record →
  7. 7.1,025 loans · $292M · Berkeley Heights, NJFull record →
  8. 8.868 loans · $362M · Salt Lake City, UTFull record →
  9. 9.3,264 loans · $846M · Miami, FLFull record →
  10. 10.15 loans · $4M · Waverly, NEFull record →
  11. 11.328 loans · $134M · Cleveland, OHFull record →
  12. 12.99 loans · $43M · Walla Walla, WAFull record →
  13. 13.42 loans · $48M · Los Angeles, CAFull record →
  14. 14.741 loans · $149M · Northbrook, ILFull record →
  15. 15.52 loans · $5M · Rochester, NYFull record →
  16. 16.154 loans · $26M · San Diego, CAFull record →
  17. 17.20 loans · $8M · Saint Petersburg, FLFull record →
  18. 18.20 loans · $10M · Newark, OHFull record →
  19. 19.46 loans · $27M · Sartell, MNFull record →
  20. 20.22 loans · $10M · Portland, MEFull record →
  21. 21.1,322 loans · $185M · Wilmington, DEFull record →
  22. 22.42 loans · $19M · Louisville, KYFull record →
  23. 23.16 loans · $9M · Brookings, SDFull record →
  24. 24.79 loans · $53M · Gulfport, MSFull record →
  25. 25.85 loans · $36M · Waterbury, CTFull record →

367+ funded Subway 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.

  • Vandana Inc in Prospect, KY — $2.7M (2026) · Republic Bank & Trust Company
  • LA ENTERPRISE INC in Volga, SD — $1.8M (2026) · purchase · First Bank & Trust
  • LB Subs AZ Management LLC in Tucson, AZ — $845K (2026) · purchase · ACC Capital
  • JT WAY LLC in Beaver Falls, PA — $675K (2026) · Newtek Bank, National Association
  • Maison Roots Inc in Indianapolis, IN — $559K (2026) · purchase · Citizens State Bank of New Castle
  • SUBWAY in Union City, NJ — $512K (2026) · Provident Bank
  • Cardinal Cedar, LLC in Carbondale, CO — $453K (2026) · Timberline Bank
  • Aaricia Global Traders LLC in Columbus, OH — $430K (2026) · First Commonwealth Bank
  • Subway in Hidalgo, TX — $400K (2026) · Newtek Bank, National Association
  • Excellence Eating Experience Corp. in Cayey, PR — $394K (2026) · FirstBank Puerto Rico
  • JAI GANESH2334 LLC in Rochester, NY — $325K (2026) · purchase · The Huntington National Bank
  • LA ENTERPRISE INC in Vermillion, SD — $308K (2026) · purchase · First Bank & Trust
  • PSD ENTERPRISE LLC in Roanoke, VA — $300K (2026) · Northeast Bank
  • BT6 GROUP LLC in Poynette, WI — $267K (2026) · purchase · Associated Bank, National Association
  • 3Q Ono Inc. in Honolulu, HI — $250K (2026) · purchase · Central Pacific Bank
  • HARI 43339 SUB LLC in Covington, LA — $240K (2026) · Hancock Whitney Bank
  • Jay Narayan LLC in Saint Louis, MO — $225K (2026) · purchase · Commercial Bank
  • Vandana Inc in Prospect, KY — $200K (2026) · Republic Bank & Trust Company
  • Rosebank Restaurant Corporation in New York, NY — $175K (2026) · Newtek Bank, National Association
  • Subway Store #47857 in Glendale, NY — $175K (2026) · CenTrust Bank, A Division of SmartBiz Bank National Association

Buying a Subway? 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 Subway businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Subway 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.

  • $210K typical Subway loan
  • 2.46% failure rate (FY20–23)
  • 143 lenders fund the brand
  • 24 days typical to fund

Buyers researching a Subway 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 brokerSubway record
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.
Canonical:
https://www.capbench.com/lenders/franchise/subway
API:
https://www.capbench.com/api/public/lenders?franchise=subway
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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