Food & Restaurants · lender intelligence

How to finance a Subway in Mississippi

State:

Alabama (5)Arizona (1)Arkansas (1)California (17)Colorado (6)Connecticut (5)Florida (3)Georgia (9)Hawaii (3)Idaho (3)Illinois (21)Indiana (33)

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

$200K

Typical loan

range $100K–$628K

$222K

Est. purchase price

≈ loan ÷ 90%

$29,722

Cash to close

$22,222 down + fees

$2,928/mo

Typical payment

~12.5% · 10yr

$40,406/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

9 days

Typical time to fund

Lenders competing

more = leverage

7.75%

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 Mississippi

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

1.1 loans · $1M · Cuba, MOFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.1 loans · $0M · Irvington, KYFull record →
4.868 loans · $362M · Salt Lake City, UTFull record →

7+ funded Subway in Mississippi 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.

Deep Stores LP 1 in Brandon, MS — $984K (2024) · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$738K (75%)
Approval → funding
16 days
Approved
9/16/2024
First disbursed
10/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Peoples Bank · Lender record →
Your business? Claim this record · Request removal
Shankar2023 Inc in Oxford, MS — $334K (2024) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$251K (75%)
Approved
11/10/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
44
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Dhillon Foods, LLC in Madison, MS — $200K (2024) · purchase · First State Bank
Program
7a General
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
261 days
Approved
7/15/2024
First disbursed
4/2/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
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
$2,480
Annual debt service
$30K
Cash flow needed (1.25×)
$37K
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 State Bank · Lender record →
Your business? Claim this record · Request removal
TL Tranum Incorporated in Luka, MS — $628K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$471K (75%)
Approval → funding
1 days
Approved
6/28/2022
First disbursed
6/29/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
TL Tranum Incorporated in Luka, MS — $25K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
9 days
Approved
6/28/2022
First disbursed
7/7/2022
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Tylertown Subs LLC in Tylertown, MS — $125K (2020) · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$106K (85%)
Approval → funding
2 days
Approved
5/12/2020
First disbursed
5/14/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Peoples Bank · Lender record →
Your business? Claim this record · Request removal
Prentiss Subs LLC in Prentiss, MS — $100K (2020) · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
3 days
Approved
2/10/2020
First disbursed
2/13/2020
Loan status
Current
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 Peoples Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Subway in Mississippi? 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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

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

$210K typical Subway loan
4 lenders active in Mississippi
7+ funded Mississippi deals
9 days typical to fund

Buyers buying a Subway in Mississippi 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 2026-06-22.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/subway/mississippi
API:: https://www.capbench.com/api/public/lenders?franchise=subway&state=MS
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.