Food & Restaurants · lender intelligence
How to finance a Subway in Utah
The SBA 7(a) lenders funding the most Subway deals in Utah, 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 Utah
$107K
Typical loan
range $26K–$107K
$119K
Est. purchase price
≈ loan ÷ 90%
$15,313
Cash to close
$11,889 down + fees
$1,566/mo
Typical payment
~12.5% · 10yr
$21,611/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
44 days
Typical time to fund
2
Lenders competing
more = leverage
6.75%
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 Utah
Ranked by funded Subway loans in Utah. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.20 loans · $8M · Saint Petersburg, FLFull record →
- 2.2 loans · $0M · Ogden, UTFull record →
2+ funded Subway in Utah 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.
- Excel Convenience Store, Inc. in Ogden, UT — $26K (2022) · Wasatch Peaks FCU
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 7/12/2022
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Gasoline Stations with Convenience Stores
Funded by Wasatch Peaks FCU · Lender record →
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- 6S, LLC in Provo, UT — $107K (2020) · purchase · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 92 months
- SBA guaranteed
- $91K (85%)
- Approval → funding
- 44 days
- Approved
- 9/17/2020
- First disbursed
- 10/31/2020
- Loan status
- Failed — $82K charged off (10/25/2023)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $119K
- Est. down payment (10%)
- $12K
- Est. cash at closing
- $15K
- Monthly payment
- $1,454
- Annual debt service
- $17K
- Cash flow needed (1.25×)
- $22K
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 BayFirst National Bank · Lender record →
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Buying a Subway in Utah? 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 Utah project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in Utah with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Utah deals. BayFirst National Bank funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 2 lenders active in Utah
- 2+ funded Utah deals
- 44 days typical to fund
Buyers buying a Subway in Utah 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.