Food & Restaurants · lender intelligence

How to finance a Subway in Oregon

State:

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

$254K

Typical loan

range $75K–$285K

$282K

Est. purchase price

≈ loan ÷ 90%

$37,747

Cash to close

$28,222 down + fees

$3,499/mo

Typical payment

~11% · 10yr

$48,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

24 days

Typical time to fund

Lenders competing

more = leverage

9.38%

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 Oregon

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

1.62 loans · $21M · Saint Cloud, MNFull record →
2.99 loans · $43M · Walla Walla, WAFull record →
3.13 loans · $18M · Roseburg, ORFull record →
4.24 loans · $30M · City Of Industry, CAFull record →
5.20 loans · $8M · Saint Petersburg, FLFull record →

6+ funded Subway in Oregon 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.

Hapchi Allea, Inc. in Portland, OR — $75K (2025) · Banner Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approval → funding
8 days
Approved
3/20/2025
First disbursed
3/28/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
54
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal
C & D Johnson Enterprises, Inc. in Enterprise, OR — $50K (2025) · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
12.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
31 days
Approved
5/27/2025
First disbursed
6/27/2025
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
SubFecta LLC in Troutdale, OR — $150K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
112 months
SBA guaranteed
$128K (85%)
Approval → funding
24 days
Approved
1/13/2024
First disbursed
2/6/2024
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
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
Hapchi Allea, Inc. in Aloha, OR — $430K (2020) · purchase · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$323K (75%)
Approval → funding
22 days
Approved
1/9/2020
First disbursed
1/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$478K
Est. down payment (10%)
$48K
Est. cash at closing
$64K
Monthly payment
$5,104
Annual debt service
$61K
Cash flow needed (1.25×)
$77K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
PURPLE SKY LLC in Portland, OR — $285K (2020) · purchase · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$214K (75%)
Approval → funding
9 days
Approved
1/22/2020
First disbursed
1/31/2020
Loan status
Paid in full (12/31/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$317K
Est. down payment (10%)
$32K
Est. cash at closing
$42K
Monthly payment
$3,383
Annual debt service
$41K
Cash flow needed (1.25×)
$51K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
D & M SOLTERO, LLC in Saint Helens, OR — $254K (2020) · American Continental Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$191K (75%)
Approval → funding
44 days
Approved
8/17/2020
First disbursed
9/30/2020
Loan status
Paid in full (1/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by American Continental Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Subway in Oregon? 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 Oregon project address. Mega-bank call-center lenders excluded.

Agent summary

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

$210K typical Subway loan
5 lenders active in Oregon
6+ funded Oregon deals
24 days typical to fund

Buyers buying a Subway in Oregon 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/oregon
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.