Food & Restaurants · lender intelligence

How to finance a Subway in Oklahoma

State:

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

$450K

Typical loan

range $186K–$600K

$500K

Est. purchase price

≈ loan ÷ 90%

$66,875

Cash to close

$50,000 down + fees

$5,823/mo

Typical payment

~9.5% · 10yr

$80,357/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

41 days

Typical time to fund

Lenders competing

more = leverage

6.55%

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 Oklahoma

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

1.62 loans · $26M · Oklahoma City, OKFull record →
2.22 loans · $3M · Fayetteville, ARFull record →
3.15 loans · $20M · Madisonville, KYFull record →

5+ funded Subway in Oklahoma 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.

DKSUB 11401 Inc. in Oklahoma City, OK — $186K (2024) · BancFirst
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
90 months
SBA guaranteed
$140K (75%)
Approval → funding
41 days
Approved
6/21/2024
First disbursed
8/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
13
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by BancFirst · Lender record →
Your business? Claim this record · Request removal
Fresh Subs LLC in Tulsa, OK — $180K (2024) · Arvest Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$90K (50%)
Approval → funding
52 days
Approved
12/8/2023
First disbursed
1/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Arvest Bank · Lender record →
Your business? Claim this record · Request removal
Clayborn Inc. in Poteau, OK — $1.2M (2021) · Texas Security Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (90%)
Approval → funding
0 days
Approved
9/24/2021
First disbursed
9/24/2021
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
55
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Texas Security Bank
Your business? Claim this record · Request removal
C&A Franchise LLC in Antlers, OK — $600K (2021) · purchase · First United Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
2% variable
Term
283 months
SBA guaranteed
$540K (90%)
Approval → funding
4 days
Approved
7/27/2021
First disbursed
7/31/2021
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
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
$667K
Est. down payment (10%)
$67K
Est. cash at closing
$89K
Monthly payment
$2,661
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 First United Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
DKSUB 16769 LLC in Hugo, OK — $450K (2021) · purchase · BancFirst
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
183 months
SBA guaranteed
$405K (90%)
Approval → funding
7 days
Approved
9/23/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$500K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$3,519
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
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 BancFirst · Lender record →
Your business? Claim this record · Request removal

Buying a Subway in Oklahoma? 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.

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 Oklahoma project address. Mega-bank call-center lenders excluded.

Agent summary

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

$210K typical Subway loan
4 lenders active in Oklahoma
5+ funded Oklahoma deals
41 days typical to fund

Buyers buying a Subway in Oklahoma 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/oklahoma
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.