Food & Restaurants · lender intelligence
How to finance a Subway in California
The SBA 7(a) lenders funding the most Subway deals in California, 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 California
$230K
Typical loan
range $150K–$331K
$256K
Est. purchase price
≈ loan ÷ 90%
$34,181
Cash to close
$25,556 down + fees
$3,367/mo
Typical payment
~12.5% · 10yr
$46,465/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
19 days
Typical time to fund
10
Lenders competing
more = leverage
8.31%
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 California
Ranked by funded Subway loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.154 loans · $26M · San Diego, CAFull record →
- 2.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 3.112 loans · $112M · Irving, TXFull record →
- 4.868 loans · $362M · Salt Lake City, UTFull record →
- 5.499 loans · $106M · Los Angeles, CAFull record →
- 6.12 loans · $10M · Los Angeles, CAFull record →
- 7.54 loans · $64M · Los Angeles, CAFull record →
- 8.3,264 loans · $846M · Miami, FLFull record →
- 9.284 loans · $254M · Cincinnati, OHFull record →
17+ funded Subway 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.
- JAY FOODS LLC in Yuba Cita, CA — $1.0M (2025) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $761K (75%)
- Approval → funding
- 19 days
- Approved
- 8/8/2025
- First disbursed
- 8/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 33
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $113K
- Est. cash at closing
- $154K
- Monthly payment
- $13,121
- Annual debt service
- $157K
- Cash flow needed (1.25×)
- $197K
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 Celtic Bank Corporation · Lender record →
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- Modesto Subways Inc in Modesto, CA — $520K (2025) · Royal Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $390K (75%)
- Approval → funding
- 59 days
- Approved
- 4/15/2025
- First disbursed
- 6/13/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Royal Business Bank · Lender record →
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- HDMI FOOD SALES INC. in Imperial Beach, CA — $88K (2025) · Lendistry SBLC, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 12.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (85%)
- Approval → funding
- 20 days
- Approved
- 3/18/2025
- First disbursed
- 4/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Lendistry SBLC, LLC · Lender record →
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- Camber Enterprises LLC in Fortuna, CA — $2.4M (2023) · City National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 33 days
- Approved
- 4/28/2023
- First disbursed
- 5/31/2023
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by City National Bank · Lender record →
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- Mehtaab Foods in Roseville, CA — $331K (2023) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $248K (75%)
- Approval → funding
- 15 days
- Approved
- 2/13/2023
- First disbursed
- 2/28/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
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- Gurvindr Singh LLC in Shafter, CA — $270K (2023) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $203K (75%)
- Approved
- 6/26/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
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- KINGS FRESH MADE, INC. in Stockton, CA — $690K (2022) · purchase · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $518K (75%)
- Approval → funding
- 3 days
- Approved
- 4/26/2022
- First disbursed
- 4/29/2022
- 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
- $767K
- Est. down payment (10%)
- $77K
- Est. cash at closing
- $103K
- Monthly payment
- $7,660
- Annual debt service
- $92K
- Cash flow needed (1.25×)
- $115K
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 VelocitySBA, LLC · Lender record →
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- Udasin Group LLC in San Rafael, CA — $303K (2022) · purchase · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $227K (75%)
- Approval → funding
- 18 days
- Approved
- 2/14/2022
- First disbursed
- 3/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $337K
- Est. down payment (10%)
- $34K
- Est. cash at closing
- $45K
- Monthly payment
- $3,326
- Annual debt service
- $40K
- Cash flow needed (1.25×)
- $50K
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 VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
- RONC in Hawthorne, CA — $230K (2022) · purchase · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $173K (75%)
- Approval → funding
- 5 days
- Approved
- 8/12/2022
- First disbursed
- 8/17/2022
- 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
- $256K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $34K
- Monthly payment
- $2,821
- Annual debt service
- $34K
- Cash flow needed (1.25×)
- $42K
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
- RONC in Hawthorne, CA — $230K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $173K (75%)
- Approved
- 4/14/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
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- BEMAGH, Inc. in Santa Ana, CA — $170K (2022) · purchase · CDC Small Business Finance Corp.
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 7.25% variable
- Term
- 77 months
- SBA guaranteed
- $128K (75%)
- Approval → funding
- 24 days
- Approved
- 10/7/2021
- First disbursed
- 10/31/2021
- Loan status
- Failed — $153K charged off (11/21/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $189K
- Est. down payment (10%)
- $19K
- Est. cash at closing
- $25K
- Monthly payment
- $2,768
- Annual debt service
- $33K
- Cash flow needed (1.25×)
- $42K
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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- Subway in Ontario, CA — $150K (2022) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 87 months
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 9 days
- Approved
- 9/21/2022
- First disbursed
- 9/30/2022
- 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
- 11
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
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- Parth LLC in Anaheim, CA — $55K (2022) · CDC Small Business Finance Corp.
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 7.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $47K (85%)
- Approval → funding
- 28 days
- Approved
- 2/4/2022
- First disbursed
- 3/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- Inland Empire NMJ, Inc. in Upland, CA — $300K (2020) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approved
- 10/3/2019
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- Kahlon Sub, LLC in Thousand Oaks, CA — $150K (2020) · CDC Small Business Finance Corp.
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 15 days
- Approved
- 9/15/2020
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (6/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
- Ara Apelian in North Hills, CA — $100K (2020) · Fifth Third Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approved
- 1/6/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
- Oishii Subz LLC in San Diego, CA — $86K (2020) · purchase · CDC Small Business Finance Corp.
- Program
- Community Advantage Initiative
- Subprogram
- Community Advantage Initiative
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $73K (85%)
- Approved
- 3/10/2020
- Loan status
- Cancelled
- 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
- $95K
- Est. down payment (10%)
- $10K
- Est. cash at closing
- $12K
- Monthly payment
- $1,095
- Annual debt service
- $13K
- Cash flow needed (1.25×)
- $16K
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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
Buying a Subway 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded Subway loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway 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. CDC Small Business Finance Corp. funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 10 lenders active in California
- 17+ funded California deals
- 19 days typical to fund
Buyers buying a Subway 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 2026-06-22.
- 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.