Food & Restaurants · lender intelligence

How to finance a Subway in Texas

State:

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

$480K

Typical loan

range $400K–$800K

$533K

Est. purchase price

≈ loan ÷ 90%

$71,333

Cash to close

$53,333 down + fees

$6,211/mo

Typical payment

~9.5% · 10yr

$85,712/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

6 days

Typical time to fund

Lenders competing

more = leverage

5.71%

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 Texas

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

1.44 loans · $52M · Wallis, TXFull record →
2.3,264 loans · $846M · Miami, FLFull record →
3.1,025 loans · $292M · Berkeley Heights, NJFull record →
4.6 loans · $6M · Conway, ARFull record →

7+ funded Subway in Texas 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.

Subway in Hidalgo, TX — $400K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approved
11/14/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
41
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
Kondody Group LLC in Missouri City, TX — $432K (2022) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
124 months
SBA guaranteed
$324K (75%)
Approval → funding
54 days
Approved
2/11/2022
First disbursed
4/6/2022
Loan status
Paid in full (4/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Gosling Development, Inc. in Spring, TX — $3.7M (2021) · Wallis Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$1.1M (30%)
Approval → funding
2 days
Approved
4/28/2021
First disbursed
4/30/2021
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
New Business or 2 years or less
Industry
Gasoline Stations with Convenience Stores
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
Gosling Development, Inc. in Spring, TX — $800K (2021) · Wallis Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
132 mo (11 yrs)
SBA guaranteed
$720K (90%)
Approval → funding
2 days
Approved
4/28/2021
First disbursed
4/30/2021
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
New Business or 2 years or less
Industry
Gasoline Stations with Convenience Stores
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
Santa Fe Investments LLC in El Paso, TX — $480K (2021) · First National Bank Texas
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$432K (90%)
Approved
5/4/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
47
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by First National Bank Texas
Your business? Claim this record · Request removal
Santa Fe Investments LLC in El Paso, TX — $480K (2021) · First National Bank Texas
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$432K (90%)
Approval → funding
6 days
Approved
8/25/2021
First disbursed
8/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
47
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by First National Bank Texas
Your business? Claim this record · Request removal
Straub Enterprises, LLC in The Colony, TX — $350K (2021) · Centennial Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
37 days
Approved
8/31/2021
First disbursed
10/7/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Existing or more than 2 years old
Industry
All Other Specialty Food Stores
Funded by Centennial Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

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

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

Buyers buying a Subway in Texas 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/texas
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.