Food & Restaurants · lender intelligence
How to finance a Subway in Iowa
The SBA 7(a) lenders funding the most Subway deals in Iowa, 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 Iowa
$439K
Typical loan
range $175K–$468K
$488K
Est. purchase price
≈ loan ÷ 90%
$65,241
Cash to close
$48,778 down + fees
$5,681/mo
Typical payment
~9.5% · 10yr
$78,398/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
38 days
Typical time to fund
5
Lenders competing
more = leverage
6.1%
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 Iowa
Ranked by funded Subway loans in Iowa. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.4 loans · $5M · Norwalk, IAFull record →
- 2.1 loans · $1M · Denver, IAFull record →
5+ funded Subway in Iowa 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.
- Right Choice Investment Holdings, LLC in Waterloo, IA — $800K (2022) · purchase · Lincoln Savings Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $600K (75%)
- Approval → funding
- 38 days
- Approved
- 12/19/2021
- First disbursed
- 1/26/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 52
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $889K
- Est. down payment (10%)
- $89K
- Est. cash at closing
- $122K
- Monthly payment
- $8,882
- Annual debt service
- $107K
- Cash flow needed (1.25×)
- $133K
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 Lincoln Savings Bank
Your business? Claim this record · Request removal
- Kamala LLC in Davenport, IA — $50K (2022) · TBK Bank, SSB
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 24 mo (2 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 9/7/2022
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by TBK Bank, SSB
Your business? Claim this record · Request removal
- Olympic Holdings, Inc in Carroll, IA — $468K (2021) · City State Bank
- Program
- 7a General
- Rate at approval
- 4.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $421K (90%)
- Approval → funding
- 14 days
- Approved
- 4/16/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by City State Bank · Lender record →
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- Dhani Ahar Holdings, LLC in Des Moines, IA — $439K (2020) · Denver Savings Bank
- Program
- 7a General
- Rate at approval
- 5.75% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $329K (75%)
- Approved
- 2/5/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Denver Savings Bank · Lender record →
Your business? Claim this record · Request removal
- Triple Crown Enterprises, Inc. in Carroll, IA — $175K (2020) · Westside State Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.5% fixed
- Term
- 67 months
- SBA guaranteed
- $88K (50%)
- Approval → funding
- 0 days
- Approved
- 6/30/2020
- First disbursed
- 6/30/2020
- Loan status
- Failed — $165K charged off (1/7/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Westside State Bank
Your business? Claim this record · Request removal
Buying a Subway in Iowa? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Subway loans with a Iowa project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in Iowa with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Iowa deals. City State Bank funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 5 lenders active in Iowa
- 5+ funded Iowa deals
- 38 days typical to fund
Buyers buying a Subway in Iowa 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.