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Food & Restaurants · lender intelligence

How to finance a Subway in Illinois

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

$233K

Typical loan

range $150K–$335K

$259K

Est. purchase price

≈ loan ÷ 90%

$34,642

Cash to close

$25,900 down + fees

$3,412/mo

Typical payment

~12.5% · 10yr

$47,086/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

15

Lenders competing

more = leverage

8.58%

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 Illinois

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

  1. 1.16 loans · $18M · Chicago, ILFull record →
  2. 2.2,539 loans · $965M · Columbus, OHFull record →
  3. 3.20 loans · $14M · Arlington Heights, ILFull record →
  4. 4.12 loans · $24M · South Bend, INFull record →
  5. 5.32 loans · $37M · Champaign, ILFull record →
  6. 6.2 loans · $0M · Sterling, ILFull record →
  7. 7.6 loans · $6M · Wellsville, MOFull record →
  8. 8.16 loans · $9M · Effingham, ILFull record →
  9. 9.7 loans · $1M · Mattoon, ILFull record →
  10. 10.1 loans · $0M · Palmyra, MOFull record →
  11. 11.499 loans · $106M · Los Angeles, CAFull record →
  12. 12.128 loans · $40M · Wilmington, DEFull record →
  13. 13.4 loans · $0M · Morton, ILFull record →

21+ funded Subway in Illinois 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.

  • Kochsmeier Enterprises RF LLC in Rock Falls, IL — $150K (2026) · purchase · Sterling Federal Bank, F.S.B.
  • Geneva Subs Inc in Geneva, IL — $350K (2025) · Village Bank and Trust, National Association
  • Aasudev 111 Inc in Monee, IL — $288K (2025) · Morton Community Bank
  • Shree 5612 LLC in Carol Stream, IL — $250K (2025) · Village Bank and Trust, National Association
  • Stanks, Inc. in Rochester, IL — $228K (2025) · purchase · American Bank of Freedom
  • Aarophil Ventures Inc. in Chicago, IL — $83K (2025) · The Huntington National Bank
  • WOODED HILLS LLC. (SUBWAY) in Carthage, IL — $233K (2024) · purchase · HOMEBANK
  • Mahantji Management Inc in Bensenville, IL — $220K (2024) · Busey Bank
  • K & R FOOD INC. in Glen Ellyn, IL — $150K (2024) · Lendistry SBLC, LLC
  • GSHELTON FOODS LLC in Moline, IL — $15K (2024) · U.S. Bank, National Association
  • NORTHERN G.O.A.T.S, INC in Rockford, IL — $348K (2023) · Associated Bank, National Association
  • Aarophil Subways Inc. in Chicago, IL — $335K (2023) · The Huntington National Bank
  • Aarophil Subways Inc. in Chicago, IL — $30K (2023) · The Huntington National Bank
  • KANTA FOOD INC in Chicago, IL — $20K (2023) · PNC Bank, National Association
  • Shibby Plus, LLC in Highland, IL — $833K (2022) · purchase · First Mid Bank & Trust, National Association
  • COLD CUT CORPORATION in Crest Hill, IL — $392K (2022) · purchase · BMO Bank National Association
  • SHOREWOOD SUBWAY CORPORATION in Shorewood, IL — $315K (2022) · purchase · BMO Bank National Association
  • SANDWICH CORPORATION in Plainfield, IL — $281K (2022) · purchase · BMO Bank National Association
  • APS SUBS INC. in Belleville, IL — $170K (2022) · Associated Bank, National Association
  • F and F Group Inc in Franklin Park, IL — $1.5M (2021) · Everwise Credit Union

Buying a Subway in Illinois? 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 Illinois project address. Mega-bank call-center lenders excluded.

Agent summary

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

  • $210K typical Subway loan
  • 15 lenders active in Illinois
  • 21+ funded Illinois deals
  • 27 days typical to fund

Buyers buying a Subway in Illinois 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 dealTalk to a loan brokerAll 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/illinois
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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