Food & Restaurants · lender intelligence
How to finance a Subway in Ohio
The SBA 7(a) lenders funding the most Subway deals in Ohio, 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 Ohio
$204K
Typical loan
range $50K–$414K
$227K
Est. purchase price
≈ loan ÷ 90%
$30,362
Cash to close
$22,700 down + fees
$2,990/mo
Typical payment
~12.5% · 10yr
$41,262/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
97.5%
Still performing
2.5% default · FY20–23
20 days
Typical time to fund
16
Lenders competing
more = leverage
7.97%
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 Ohio
Ranked by funded Subway loans in Ohio. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.9 loans · $10M · Warren, PAFull record →
- 3.20 loans · $10M · Newark, OHFull record →
- 4.2 loans · $0M · Jasper, INFull record →
- 5.28 loans · $42M · Lehi, UTFull record →
- 6.128 loans · $40M · Wilmington, DEFull record →
- 7.36 loans · $51M · Carmel, INFull record →
- 8.2 loans · $0M · Clearfield, PAFull record →
- 9.105 loans · $51M · Fitzgerald, GAFull record →
- 10.103 loans · $64M · Indiana, PAFull record →
- 11.19 loans · $5M · Columbus, OHFull record →
- 12.2 loans · $1M · New Carlisle, OHFull record →
- 13.20 loans · $8M · Saint Petersburg, FLFull record →
- 14.328 loans · $134M · Cleveland, OHFull record →
53+ funded Subway in Ohio 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.
- Aaricia Global Traders LLC in Columbus, OH — $430K (2026) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $323K (75%)
- Approval → funding
- 26 days
- Approved
- 1/14/2026
- First disbursed
- 2/9/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
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- Cincinnati 25892 LLC in Portsmouth, OH — $1.4M (2025) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 23 days
- Approved
- 3/10/2025
- First disbursed
- 4/2/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $150K
- Est. cash at closing
- $206K
- Monthly payment
- $17,654
- Annual debt service
- $212K
- Cash flow needed (1.25×)
- $265K
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 →
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- P. J. & J., LLC in Celina, OH — $207K (2025) · purchase · The Citizens National Bank of Bluffton
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $103K (50%)
- Approval → funding
- 1 days
- Approved
- 8/14/2025
- First disbursed
- 8/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $230K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $2,455
- Annual debt service
- $29K
- 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 The Citizens National Bank of Bluffton
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- Lorain Food Service LLC in Avon Lake, OH — $460K (2024) · Northwest Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $345K (75%)
- Approval → funding
- 2 days
- Approved
- 3/4/2024
- First disbursed
- 3/6/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 48
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Northwest Bank · Lender record →
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- B&D Family Enterprises III LLC in Gibsonburg, OH — $350K (2024) · Colony Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 20 days
- Approved
- 7/2/2024
- First disbursed
- 7/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 60
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Colony Bank · Lender record →
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- MAAKRUPA LLC in Columbus, OH — $270K (2024) · purchase · German American Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $203K (75%)
- Approved
- 9/7/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $300K
- Est. down payment (10%)
- $30K
- Est. cash at closing
- $40K
- Monthly payment
- $3,643
- Annual debt service
- $44K
- Cash flow needed (1.25×)
- $55K
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 German American Bank · Lender record →
Your business? Claim this record · Request removal
- SAAVANI LLC in Avon, OH — $210K (2024) · Northwest Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approved
- 7/9/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Northwest Bank · Lender record →
Your business? Claim this record · Request removal
- Divine Foods, L.L.C. in Mentor, OH — $124K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $105K (85%)
- Approval → funding
- 1 days
- Approved
- 11/20/2023
- First disbursed
- 11/21/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
- MCWYSTON INC in Springfield, OH — $110K (2024) · New Carlisle Federal Savings Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.3% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $55K (50%)
- Approval → funding
- 1 days
- Approved
- 10/25/2023
- First disbursed
- 10/26/2023
- Loan status
- Paid in full (5/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 33
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by New Carlisle Federal Savings Bank · Lender record →
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- MAKE IT FRESH LLC in New Albany, OH — $50K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/26/2024
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- SAAVANI LLC in Avon, OH — $25K (2024) · Northwest Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 7/9/2024
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Northwest Bank · Lender record →
Your business? Claim this record · Request removal
- Lorain Food Service LLC in Avon Lake, OH — $25K (2024) · Northwest Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 5 days
- Approved
- 3/1/2024
- First disbursed
- 3/6/2024
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 33
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Northwest Bank · Lender record →
Your business? Claim this record · Request removal
- PK Sprouse, Inc. in Grafton, OH — $6K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $5K (85%)
- Approved
- 11/8/2023
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- 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
- Good News Ventures, Inc. in Grove City, OH — $1.8M (2023) · purchase · The Vinton County National Bank
- Program
- 7a General
- Rate at approval
- 6.99% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 11 days
- Approved
- 6/30/2023
- First disbursed
- 7/11/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 77
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.1M
- Est. down payment (10%)
- $205K
- Est. cash at closing
- $282K
- Monthly payment
- $21,443
- Annual debt service
- $257K
- Cash flow needed (1.25×)
- $322K
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 Vinton County National Bank
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- SPIRIT RESTAURANT GROUP LLC in Richfield, OH — $634K (2023) · PNC Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.74% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $476K (75%)
- Approval → funding
- 6 days
- Approved
- 6/29/2023
- First disbursed
- 7/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by PNC Bank, National Association · Lender record →
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- A&R Chestnut Subs, LLC in Jefferson, OH — $500K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 6 days
- Approved
- 4/6/2023
- First disbursed
- 4/12/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- XTRAPOT LLC in Marysville, OH — $261K (2023) · purchase · Telhio Credit Union Inc
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approval → funding
- 12 days
- Approved
- 8/25/2023
- First disbursed
- 9/6/2023
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $289K
- Est. down payment (10%)
- $29K
- Est. cash at closing
- $39K
- Monthly payment
- $3,588
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $54K
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 Telhio Credit Union Inc · Lender record →
Your business? Claim this record · Request removal
- We Bee Subs and Company, Inc. in Chillicothe, OH — $250K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 17 days
- Approved
- 2/10/2023
- First disbursed
- 2/27/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- 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
- EFECTIVO LLC in Akron, OH — $100K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 18 days
- Approved
- 10/20/2022
- First disbursed
- 11/7/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Brijor Subs LLC in Loveland, OH — $75K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $64K (85%)
- Approval → funding
- 7 days
- Approved
- 5/31/2023
- First disbursed
- 6/7/2023
- Loan status
- Paid in full (2/28/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Subway in Ohio? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded Subway loans with a Ohio project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in Ohio with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Ohio deals. The Huntington National Bank funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 16 lenders active in Ohio
- 53+ funded Ohio deals
- 20 days typical to fund
Buyers buying a Subway in Ohio 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.