Food & Restaurants · lender intelligence

How to finance a Subway in Kentucky

State:

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

$490K

Typical loan

range $225K–$700K

$544K

Est. purchase price

≈ loan ÷ 90%

$72,819

Cash to close

$54,444 down + fees

$6,340/mo

Typical payment

~9.5% · 10yr

$87,492/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

6.27%

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 Kentucky

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

1.1 loans · $1M · Cuba, MOFull record →
2.42 loans · $19M · Louisville, KYFull record →
3.31 loans · $13M · Louisville, KYFull record →
4.36 loans · $51M · Carmel, INFull record →
5.12 loans · $8M · Wheeling, WVFull record →

12+ funded Subway in Kentucky 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.

Vandana Inc in Prospect, KY — $2.7M (2026) · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
6.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
22 days
Approved
12/16/2025
First disbursed
1/7/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
200
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Vandana Inc in Prospect, KY — $200K (2026) · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
42 months
SBA guaranteed
$150K (75%)
Approval → funding
20 days
Approved
12/18/2025
First disbursed
1/7/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
SUBS OF WKY Inc. in Prospect, KY — $500K (2025) · Republic Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.75% variable
Term
118 months
SBA guaranteed
$250K (50%)
Approval → funding
33 days
Approved
12/5/2024
First disbursed
1/7/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Limbach, LLC in Louisville, KY — $107K (2023) · Stock Yards Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$80K (75%)
Approval → funding
7 days
Approved
8/30/2023
First disbursed
9/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Regal Food Management LLC in Ashland, KY — $1.6M (2022) · purchase · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
37 days
Approved
11/8/2021
First disbursed
12/15/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$178K
Est. cash at closing
$245K
Monthly payment
$17,206
Annual debt service
$206K
Cash flow needed (1.25×)
$258K
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 Peoples Bank · Lender record →
Your business? Claim this record · Request removal
DeepRoyal 7 LLC in Georgetown, KY — $700K (2022) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$525K (75%)
Approval → funding
5 days
Approved
12/16/2021
First disbursed
12/21/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$778K
Est. down payment (10%)
$78K
Est. cash at closing
$104K
Monthly payment
$7,597
Annual debt service
$91K
Cash flow needed (1.25×)
$114K
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 Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Dupie Family Foods, LLC in Paris, KY — $574K (2022) · purchase · Stock Yards Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$430K (75%)
Approval → funding
3 days
Approved
4/19/2022
First disbursed
4/22/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$637K
Est. down payment (10%)
$64K
Est. cash at closing
$85K
Monthly payment
$6,014
Annual debt service
$72K
Cash flow needed (1.25×)
$90K
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 Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
DeepRoyal 8 LLC in Lexington, KY — $490K (2022) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$368K (75%)
Approval → funding
4 days
Approved
12/17/2021
First disbursed
12/21/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$544K
Est. down payment (10%)
$54K
Est. cash at closing
$73K
Monthly payment
$5,318
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Darraji Group, LLC in Louisville, KY — $166K (2022) · purchase · Stock Yards Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$83K (50%)
Approval → funding
14 days
Approved
6/28/2022
First disbursed
7/12/2022
Loan status
Paid in full (10/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$185K
Est. down payment (10%)
$18K
Est. cash at closing
$25K
Monthly payment
$1,910
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
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 Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
BWH Sandwich Shop of Summit, LLC in Ashland, KY — $332K (2021) · purchase · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
180 mo (15 yrs)
SBA guaranteed
$298K (90%)
Approval → funding
27 days
Approved
5/4/2021
First disbursed
5/31/2021
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$368K
Est. down payment (10%)
$37K
Est. cash at closing
$49K
Monthly payment
$2,709
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 Peoples Bank · Lender record →
Your business? Claim this record · Request removal
BWH Subway of Olive Hill KY, LLC in Olive Hill, KY — $288K (2021) · purchase · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
180 mo (15 yrs)
SBA guaranteed
$216K (75%)
Approval → funding
0 days
Approved
1/5/2021
First disbursed
1/5/2021
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$320K
Est. down payment (10%)
$32K
Est. cash at closing
$43K
Monthly payment
$2,355
Annual debt service
$28K
Cash flow needed (1.25×)
$35K
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 Peoples Bank · Lender record →
Your business? Claim this record · Request removal
Avanna, LLC in Louisville, KY — $225K (2021) · WesBanco Bank, Inc.
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$169K (75%)
Approval → funding
113 days
Approved
5/26/2021
First disbursed
9/16/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by WesBanco Bank, Inc. · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

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

$210K typical Subway loan
5 lenders active in Kentucky
12+ funded Kentucky deals
20 days typical to fund

Buyers buying a Subway in Kentucky 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/kentucky
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.