Food & Restaurants · lender intelligence

How to finance a Subway in Pennsylvania

State:

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

$110K

Typical loan

range $50K–$245K

$122K

Est. purchase price

≈ loan ÷ 90%

$15,742

Cash to close

$12,222 down + fees

$1,610/mo

Typical payment

~12.5% · 10yr

$22,218/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

7.82%

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 Pennsylvania

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.21 loans · $2M · Canton, NYFull record →
3.1,927 loans · $207M · Buffalo, NYFull record →
4.3,264 loans · $846M · Miami, FLFull record →
5.18 loans · $1M · Wilmington, DEFull record →
6.9 loans · $10M · Warren, PAFull record →
7.1,322 loans · $185M · Wilmington, DEFull record →
8.1 loans · $2M · Exton, PAFull record →
9.2 loans · $1M · Harrisburg, PAFull record →
10.62 loans · $21M · Saint Cloud, MNFull record →
11.105 loans · $164M · Brookline, MAFull record →

19+ funded Subway in Pennsylvania 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.

JT WAY LLC in Beaver Falls, PA — $675K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$506K (75%)
Approval → funding
28 days
Approved
1/5/2026
First disbursed
2/2/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
200
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Hanover Subs LLC in Hanover, PA — $130K (2026) · purchase · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
84 mo (7 yrs)
SBA guaranteed
$111K (85%)
Approval → funding
3 days
Approved
12/15/2025
First disbursed
12/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$144K
Est. down payment (10%)
$14K
Est. cash at closing
$19K
Monthly payment
$2,092
Annual debt service
$25K
Cash flow needed (1.25×)
$31K
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
JT WAY LLC in Beaver Falls, PA — $50K (2026) · Newtek Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
3/2/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
JT WAY LLC in Harmony, PA — $120K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$90K (75%)
Approved
5/15/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
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
JT WAY LLC in Harmony, PA — $100K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
68 days
Approved
5/15/2024
First disbursed
7/22/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
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
ALS DISTRIBUTORS LLC in Bedford, PA — $56K (2024) · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
9.99% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$48K (85%)
Approval → funding
17 days
Approved
3/2/2024
First disbursed
3/19/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
All Other Specialty Food Retailers
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
MJ Subs LLC in Hanover, PA — $245K (2023) · purchase · Orrstown Bank
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$184K (75%)
Approval → funding
34 days
Approved
5/18/2023
First disbursed
6/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$272K
Est. down payment (10%)
$27K
Est. cash at closing
$36K
Monthly payment
$3,788
Annual debt service
$45K
Cash flow needed (1.25×)
$57K
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 Orrstown Bank · Lender record →
Your business? Claim this record · Request removal
Jai Kholi Wale Baba LLC in King Of Prussia, PA — $50K (2023) · TD Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.05% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
19 days
Approved
10/19/2022
First disbursed
11/7/2022
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
JT WAY LLC in Butler, PA — $800K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$600K (75%)
Approval → funding
21 days
Approved
5/16/2022
First disbursed
6/6/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
97
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Soni Investment Group Inc in Gibsonia, PA — $430K (2022) · First Resource Bank
Program
7a General
Rate at approval
4.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$323K (75%)
Approval → funding
35 days
Approved
5/11/2022
First disbursed
6/15/2022
Loan status
Paid in full (9/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
71
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Resource Bank · Lender record →
Your business? Claim this record · Request removal
AKSHARSUB2522 LLC in Scranton, PA — $68K (2022) · Community Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.75% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$34K (50%)
Approval → funding
27 days
Approved
6/10/2022
First disbursed
7/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Community Bank, National Association · Lender record →
Your business? Claim this record · Request removal
JBW 3 LLC in Elizabethtown, PA — $565K (2021) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$509K (90%)
Approval → funding
8 days
Approved
9/14/2021
First disbursed
9/22/2021
Loan status
Paid in full (6/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$628K
Est. down payment (10%)
$63K
Est. cash at closing
$84K
Monthly payment
$6,273
Annual debt service
$75K
Cash flow needed (1.25×)
$94K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Piccadilly US, LLC in Shavertown, PA — $187K (2021) · purchase · Community Bank, National Association
Program
7a General
Rate at approval
4.75% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$169K (90%)
Approval → funding
22 days
Approved
3/30/2021
First disbursed
4/21/2021
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$208K
Est. down payment (10%)
$21K
Est. cash at closing
$28K
Monthly payment
$2,627
Annual debt service
$32K
Cash flow needed (1.25×)
$39K
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 Community Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Galdon Family Investments LLC in Erie, PA — $110K (2021) · purchase · Northwest Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$55K (50%)
Approval → funding
10 days
Approved
5/14/2021
First disbursed
5/24/2021
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
45
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$122K
Est. down payment (10%)
$12K
Est. cash at closing
$16K
Monthly payment
$2,038
Annual debt service
$24K
Cash flow needed (1.25×)
$31K
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 Northwest Bank · Lender record →
Your business? Claim this record · Request removal
JBW LLC in Lilitz, PA — $175K (2020) · purchase · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$131K (75%)
Approval → funding
27 days
Approved
12/4/2019
First disbursed
12/31/2019
Loan status
Paid in full (6/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$194K
Est. down payment (10%)
$19K
Est. cash at closing
$26K
Monthly payment
$2,077
Annual debt service
$25K
Cash flow needed (1.25×)
$31K
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
WETZCO INC in Mars, PA — $100K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
43 days
Approved
3/18/2020
First disbursed
4/30/2020
Loan status
Paid in full (3/31/2025)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
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
SHIV KRUPA SUBS INC in Littlestown, PA — $40K (2020) · Santander Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$20K (50%)
Approval → funding
42 days
Approved
2/18/2020
First disbursed
3/31/2020
Loan status
Paid in full (9/30/2022)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Santander Bank, National Association · Lender record →
Your business? Claim this record · Request removal
HARI OM SUBS INC in Hanover, PA — $40K (2020) · Santander Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$20K (50%)
Approval → funding
42 days
Approved
2/18/2020
First disbursed
3/31/2020
Loan status
Paid in full (8/31/2022)
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Santander Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Twelve 7, Incorporated in Chicora, PA — $36K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.05% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$18K (50%)
Approval → funding
18 days
Approved
2/11/2020
First disbursed
2/29/2020
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
8
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 Pennsylvania? 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 Pennsylvania project address. Mega-bank call-center lenders excluded.

Agent summary

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

$210K typical Subway loan
12 lenders active in Pennsylvania
19+ funded Pennsylvania deals
27 days typical to fund

Buyers buying a Subway in Pennsylvania 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 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/subway/pennsylvania
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.