Food & Restaurants · lender intelligence

How to finance a Subway in Georgia

State:

The SBA 7(a) lenders funding the most Subway deals in Georgia, 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 Georgia

$229K

Typical loan

range $150K–$314K

$254K

Est. purchase price

≈ loan ÷ 90%

$33,973

Cash to close

$25,400 down + fees

$3,346/mo

Typical payment

~12.5% · 10yr

$46,175/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

34 days

Typical time to fund

Lenders competing

more = leverage

7.5%

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 Georgia

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

1.4 loans · $5M · Atlanta, GAFull record →
2.149 loans · $135M · Mukwonago, WIFull record →
3.1 loans · $1M · Cuba, MOFull record →
4.52 loans · $50M · Rockville, MDFull record →
5.4 loans · $2M · Milton, WIFull record →
6.1,025 loans · $292M · Berkeley Heights, NJFull record →
7.1 loans · $0M · Atlanta, GAFull record →

9+ funded Subway in Georgia 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.

South East Subs LLC in Savannah, GA — $2.1M (2025) · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
8 days
Approved
5/13/2025
First disbursed
5/21/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
80
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Peoples Bank · Lender record →
Your business? Claim this record · Request removal
Fresh Food Ventures LLC in Alpharetta, GA — $200K (2024) · purchase · First Community Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
14 days
Approved
2/14/2024
First disbursed
2/28/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,755
Annual debt service
$33K
Cash flow needed (1.25×)
$41K
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 Community Bank · Lender record →
Your business? Claim this record · Request removal
Turk Industries, LLC in Smyrna, GA — $50K (2024) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
15% variable
Term
120 mo (10 yrs)
SBA guaranteed
$43K (85%)
Approved
9/24/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
YASH FOODS LLC in Alpharetta, GA — $314K (2022) · purchase · Capital Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$236K (75%)
Approval → funding
14 days
Approved
5/24/2022
First disbursed
6/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$349K
Est. down payment (10%)
$35K
Est. cash at closing
$47K
Monthly payment
$3,527
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
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 Capital Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Topnotch Gourmet Foods LLC in Mcdonough, GA — $240K (2022) · purchase · Georgia Banking Company
Program
Preferred Lenders Program
Rate at approval
2.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$180K (75%)
Approval → funding
34 days
Approved
8/4/2022
First disbursed
9/7/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$267K
Est. down payment (10%)
$27K
Est. cash at closing
$36K
Monthly payment
$2,262
Annual debt service
$27K
Cash flow needed (1.25×)
$34K
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 Georgia Banking Company · Lender record →
Your business? Claim this record · Request removal
The Aiken Group LLC in Atlanta, GA — $150K (2021) · purchase · Western State Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$135K (90%)
Approval → funding
85 days
Approved
12/28/2020
First disbursed
3/23/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$167K
Est. down payment (10%)
$17K
Est. cash at closing
$21K
Monthly payment
$1,665
Annual debt service
$20K
Cash flow needed (1.25×)
$25K
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 Western State Bank
Your business? Claim this record · Request removal
J2R Enterprises, LLC in Grayson, GA — $106K (2021) · purchase · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$90K (85%)
Approval → funding
0 days
Approved
12/10/2020
First disbursed
12/10/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$118K
Est. down payment (10%)
$12K
Est. cash at closing
$15K
Monthly payment
$1,180
Annual debt service
$14K
Cash flow needed (1.25×)
$18K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
SHREEKANTA1 INC. in Waleska, GA — $350K (2020) · purchase · LGE Community CU
Program
7a General
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
39 days
Approved
12/23/2019
First disbursed
1/31/2020
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
Full-Service Restaurants
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$2,202
Annual debt service
$26K
Cash flow needed (1.25×)
$33K
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 LGE Community CU · Lender record →
Your business? Claim this record · Request removal
The Aiken Group LLC in Atlanta, GA — $229K (2020) · purchase · Georgia Banking Company
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
123 months
SBA guaranteed
$171K (75%)
Approval → funding
39 days
Approved
1/21/2020
First disbursed
2/29/2020
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$254K
Est. down payment (10%)
$25K
Est. cash at closing
$34K
Monthly payment
$2,639
Annual debt service
$32K
Cash flow needed (1.25×)
$40K
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 Georgia Banking Company · Lender record →
Your business? Claim this record · Request removal

Buying a Subway in Georgia? Start with a lender that funds them here

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

Agent summary

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

$210K typical Subway loan
8 lenders active in Georgia
9+ funded Georgia deals
34 days typical to fund

Buyers buying a Subway in Georgia 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/georgia
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.