Food & Restaurants · lender intelligence
How to finance a Subway in Florida
The SBA 7(a) lenders funding the most Subway deals in Florida, 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 Florida
$294K
Typical loan
range $250K–$303K
$327K
Est. purchase price
≈ loan ÷ 90%
$43,722
Cash to close
$32,689 down + fees
$4,053/mo
Typical payment
~11% · 10yr
$55,931/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
16 days
Typical time to fund
3
Lenders competing
more = leverage
5.75%
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 Florida
Ranked by funded Subway loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.34 loans · $57M · Charlotte, NCFull record →
3+ funded Subway in Florida 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.
- 1920 INVESTMENTS, LLC in Navarre, FL — $303K (2022) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $227K (75%)
- Approval → funding
- 16 days
- Approved
- 5/3/2022
- First disbursed
- 5/19/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Socorro, LLC in Pensacola Beach, FL — $250K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% fixed
- Term
- 48 mo (4 yrs)
- SBA guaranteed
- $187K (75%)
- Approved
- 5/17/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Romi Subway 4832 Inc in Jacksonville, FL — $294K (2021) · Truist Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $265K (90%)
- Approval → funding
- 5 days
- Approved
- 7/26/2021
- First disbursed
- 7/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Truist Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Subway in Florida? 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.
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 Subway loans with a Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. The Huntington National Bank funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 3 lenders active in Florida
- 3+ funded Florida deals
- 16 days typical to fund
Buyers buying a Subway in Florida 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 2026-06-17.
- 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.