Food & Restaurants · lender intelligence

How to finance a Subway in Alabama

State:

The SBA 7(a) lenders funding the most Subway deals in Alabama, from public loan records — typical Subway loan about $210K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Subway in Alabama

$270K

Typical loan

range $269K–$350K

$300K

Est. purchase price

≈ loan ÷ 90%

$40,125

Cash to close

$30,000 down + fees

$3,719/mo

Typical payment

~11% · 10yr

$51,322/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

95 days

Typical time to fund

Lenders competing

more = leverage

8.91%

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 in Alabama

Ranked by funded Subway loans in Alabama. Tap a lender for its full record, or hit Get in touch for an introduction.

1.11 loans · $2M · Birmingham, ALFull record →
2.5 loans · $5M · Prattville, ALFull record →

5+ funded Subway in Alabama 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.

Prachhu Corp in Huntsville, AL — $355K (2025) · purchase · River Bank and Trust
Program
7a General
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$266K (75%)
Approval → funding
4 days
Approved
5/31/2025
First disbursed
6/4/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$394K
Est. down payment (10%)
$39K
Est. cash at closing
$53K
Monthly payment
$4,741
Annual debt service
$57K
Cash flow needed (1.25×)
$71K
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 River Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Bwick LLC in Camden, AL — $350K (2025) · Sabre Finance
Program
7a General
Rate at approval
11% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
95 days
Approved
1/16/2025
First disbursed
4/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Sabre Finance · Lender record →
Your business? Claim this record · Request removal
Bwick LLC in Prattville, AL — $269K (2025) · Sabre Finance
Program
7a General
Rate at approval
10.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$202K (75%)
Approval → funding
140 days
Approved
3/25/2025
First disbursed
8/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Sabre Finance · Lender record →
Your business? Claim this record · Request removal
CBH, LLC in Highland Home, AL — $150K (2023) · purchase · First Citizens Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.56% fixed
Term
180 mo (15 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
14 days
Approved
11/16/2022
First disbursed
11/30/2022
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,396
Annual debt service
$17K
Cash flow needed (1.25×)
$21K
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 First Citizens Bank
Your business? Claim this record · Request removal
CBH, LLC in Highland Home, AL — $270K (2021) · First Citizens Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$135K (50%)
Approved
9/14/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by First Citizens Bank
Your business? Claim this record · Request removal

Buying a Subway in Alabama? 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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded Subway loans with a Alabama project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Subway purchase in Alabama with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Alabama deals. Sabre Finance funds the most here. CapBench is not a lender.

$210K typical Subway loan
3 lenders active in Alabama
5+ funded Alabama deals
95 days typical to fund

Buyers buying a Subway in Alabama 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Subway lenders

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/alabama
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.