Food & Restaurants · lender intelligence
How to finance a Subway in New York
The SBA 7(a) lenders funding the most Subway deals in New York, 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 New York
$53K
Typical loan
range $35K–$175K
$59K
Est. purchase price
≈ loan ÷ 90%
$7,585
Cash to close
$5,889 down + fees
$776/mo
Typical payment
~12.5% · 10yr
$10,709/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
24 days
Typical time to fund
7
Lenders competing
more = leverage
8.28%
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 New York
Ranked by funded Subway loans in New York. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,927 loans · $207M · Buffalo, NYFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.52 loans · $5M · Rochester, NYFull record →
- 4.741 loans · $149M · Northbrook, ILFull record →
- 5.3,264 loans · $846M · Miami, FLFull record →
- 6.328 loans · $134M · Cleveland, OHFull record →
- 7.1,322 loans · $185M · Wilmington, DEFull record →
22+ funded Subway in New York 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.
- JAI GANESH2334 LLC in Rochester, NY — $325K (2026) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $244K (75%)
- Approved
- 2/24/2026
- Loan status
- Committed
- 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
- $361K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $4,161
- Annual debt service
- $50K
- Cash flow needed (1.25×)
- $62K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Rosebank Restaurant Corporation in New York, NY — $175K (2026) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $131K (75%)
- Approval → funding
- 5 days
- Approved
- 11/14/2025
- First disbursed
- 11/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
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- Subway Store #47857 in Glendale, NY — $175K (2026) · CenTrust Bank, A Division of SmartBiz Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $131K (75%)
- Approval → funding
- 21 days
- Approved
- 1/8/2026
- First disbursed
- 1/29/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
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- Subway in Franklin Square, NY — $53K (2026) · CenTrust Bank, A Division of SmartBiz Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $45K (85%)
- Approved
- 2/26/2026
- Loan status
- Committed
- 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 CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
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- JAI GANESH2334 LLC in Rochester, NY — $40K (2026) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approved
- 2/24/2026
- Loan status
- Committed
- Loan type
- Revolving line
- 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
- $44K
- Est. down payment (10%)
- $4K
- Est. cash at closing
- $6K
- Monthly payment
- $512
- Annual debt service
- $6K
- Cash flow needed (1.25×)
- $8K
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 Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- LYONS SUBS, LLC in Lyons, NY — $133K (2025) · ESL FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 6.51% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $99K (75%)
- Approved
- 5/22/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by ESL FCU · Lender record →
Your business? Claim this record · Request removal
- NEWARK SUBS, LLC in Newark, NY — $67K (2025) · ESL FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 6.51% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $50K (75%)
- Approved
- 5/27/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by ESL FCU · Lender record →
Your business? Claim this record · Request removal
- LYONS SUBS, LLC in Lyons, NY — $50K (2025) · ESL FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $37K (75%)
- Approved
- 5/27/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by ESL FCU · Lender record →
Your business? Claim this record · Request removal
- NEWARK SUBS, LLC in Newark, NY — $50K (2025) · ESL FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $37K (75%)
- Approved
- 5/27/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by ESL FCU · Lender record →
Your business? Claim this record · Request removal
- SUBWAY in Bronx, NY — $490K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 125 months
- SBA guaranteed
- $368K (75%)
- Approval → funding
- 41 days
- Approved
- 9/27/2023
- First disbursed
- 11/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- 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
- Ronkonkoma Subs Corp in Ronkonkoma, NY — $50K (2023) · TD Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 14.3% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 8 days
- Approved
- 8/21/2023
- First disbursed
- 8/29/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
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- TheSublime Corporation in North Tonawanda, NY — $405K (2022) · purchase · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $304K (75%)
- Approval → funding
- 43 days
- Approved
- 4/5/2022
- First disbursed
- 5/18/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $450K
- Est. down payment (10%)
- $45K
- Est. cash at closing
- $60K
- Monthly payment
- $4,496
- Annual debt service
- $54K
- Cash flow needed (1.25×)
- $67K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- CENTEREACH SUBS CORP. in Centereach, NY — $100K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 23 days
- Approved
- 8/15/2022
- First disbursed
- 9/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- KNEST EGG INDUSTRIES LV LLC in Liverpool, NY — $25K (2022) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 24 days
- Approved
- 6/14/2022
- First disbursed
- 7/8/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- KNEST EGG INDUSTRIES UA LLC in Syracuse, NY — $25K (2022) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 24 days
- Approved
- 6/14/2022
- First disbursed
- 7/8/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- KNEST EGG INDUSTRIES DT LLC in Syracuse, NY — $25K (2022) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 24 days
- Approved
- 6/14/2022
- First disbursed
- 7/8/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- TheSublime Corporation in North Tonawanda, NY — $25K (2022) · purchase · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 4/5/2022
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $28K
- Est. down payment (10%)
- $3K
- Est. cash at closing
- $4K
- Monthly payment
- $278
- Annual debt service
- $3K
- Cash flow needed (1.25×)
- $4K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- AVDHESH MANAGEMENT PORTLAND, INC. in Dansville, NY — $200K (2021) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.75% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 37 days
- Approved
- 9/24/2021
- First disbursed
- 10/31/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- Sutton Accurso dba Suttons Subs in Olean, NY — $176K (2020) · purchase · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $88K (50%)
- Approval → funding
- 7 days
- Approved
- 12/4/2019
- First disbursed
- 12/11/2019
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Individual
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Stores
If you were the buyer here
- Est. deal size
- $196K
- Est. down payment (10%)
- $20K
- Est. cash at closing
- $26K
- Monthly payment
- $2,656
- Annual debt service
- $32K
- Cash flow needed (1.25×)
- $40K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- MNBA Management Inc in Binghamton, NY — $50K (2020) · KeyBank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.74% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 101 days
- Approved
- 5/22/2020
- First disbursed
- 8/31/2020
- Loan status
- Paid in full (4/30/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Subway in New York? 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 New York project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in New York with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded New York deals. Manufacturers and Traders Trust Company funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 7 lenders active in New York
- 22+ funded New York deals
- 24 days typical to fund
Buyers buying a Subway in New York 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 2026-06-22.
- 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.