Food & Restaurants · lender intelligence
How to finance a Subway in Massachusetts
The SBA 7(a) lenders funding the most Subway deals in Massachusetts, 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 Massachusetts
$145K
Typical loan
range $50K–$145K
$161K
Est. purchase price
≈ loan ÷ 90%
$20,751
Cash to close
$16,111 down + fees
$2,122/mo
Typical payment
~12.5% · 10yr
$29,284/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
42 days
Typical time to fund
2
Lenders competing
more = leverage
7.85%
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 Massachusetts
Ranked by funded Subway loans in Massachusetts. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.75 loans · $98M · Sioux Falls, SDFull record →
- 2.1,322 loans · $185M · Wilmington, DEFull record →
3+ funded Subway in Massachusetts 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.
- Paco2 Group LLC in Plymouth, MA — $145K (2020) · purchase · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $123K (85%)
- Approval → funding
- 42 days
- Approved
- 7/17/2020
- First disbursed
- 8/28/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $161K
- Est. down payment (10%)
- $16K
- Est. cash at closing
- $21K
- Monthly payment
- $1,702
- Annual debt service
- $20K
- Cash flow needed (1.25×)
- $26K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Paco2 Group LLC in Plymouth, MA — $145K (2020) · purchase · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $123K (85%)
- Approved
- 4/21/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $161K
- Est. down payment (10%)
- $16K
- Est. cash at closing
- $21K
- Monthly payment
- $1,702
- Annual debt service
- $20K
- Cash flow needed (1.25×)
- $26K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
- METRO SUBWAY INC in Boston, MA — $50K (2020) · TD Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.04% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 40 days
- Approved
- 7/22/2020
- First disbursed
- 8/31/2020
- Loan status
- Failed — $47K charged off (6/4/2025)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Subway in Massachusetts? 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 Massachusetts project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in Massachusetts with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Massachusetts deals. The Bancorp Bank National Association funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 2 lenders active in Massachusetts
- 3+ funded Massachusetts deals
- 42 days typical to fund
Buyers buying a Subway in Massachusetts 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.