Food & Restaurants · lender intelligence

How to finance a Subway in Washington

State:

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

$166K

Typical loan

range $75K–$661K

$184K

Est. purchase price

≈ loan ÷ 90%

$24,669

Cash to close

$18,444 down + fees

$2,430/mo

Typical payment

~12.5% · 10yr

$33,534/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

8.74%

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 Washington

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

1.99 loans · $43M · Walla Walla, WAFull record →
2.97 loans · $96M · Raleigh, NCFull record →
3.9 loans · $13M · Atlanta, GAFull record →
4.3 loans · $2M · Minneapolis, MNFull record →
5.13 loans · $18M · Roseburg, ORFull record →
6.328 loans · $134M · Cleveland, OHFull record →
7.9 loans · $10M · Warren, PAFull record →
8.34 loans · $12M · Wood River, NEFull record →

12+ funded Subway in Washington 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.

MAAP L.L.C. in Bellevue, WA — $50K (2026) · Columbia Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
1/14/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
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
TJ SINGH ASSOCIATE LLC in Renton, WA — $42K (2025) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.24% fixed
Term
36 mo (3 yrs)
SBA guaranteed
$21K (50%)
Approval → funding
16 days
Approved
8/13/2025
First disbursed
8/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
HORIZONTAL ECLIPSE LLC in Sammamish, WA — $166K (2024) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.3% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$125K (75%)
Approved
9/11/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
SUMITRA ENTERPRISES, INC in Mount Vernon, WA — $96K (2024) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$82K (85%)
Approval → funding
22 days
Approved
8/8/2024
First disbursed
8/30/2024
Loan status
Current
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 Northeast Bank · Lender record →
Your business? Claim this record · Request removal
VM SANDHU LLC in Puyallup, WA — $25K (2024) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.49% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
4 days
Approved
1/27/2024
First disbursed
1/31/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
RIASH ENTERPRISE INC in Tacoma, WA — $1.3M (2023) · purchase · Ameris Bank
Program
Preferred Lenders Program
Rate at approval
8.625% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$993K (75%)
Approval → funding
216 days
Approved
12/15/2022
First disbursed
7/19/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$147K
Est. cash at closing
$202K
Monthly payment
$16,498
Annual debt service
$198K
Cash flow needed (1.25×)
$247K
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 Ameris Bank · Lender record →
Your business? Claim this record · Request removal
M Restaurant Group LLC in Bellevue, WA — $661K (2023) · purchase · Northwest Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$495K (75%)
Approved
6/9/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$734K
Est. down payment (10%)
$73K
Est. cash at closing
$98K
Monthly payment
$8,914
Annual debt service
$107K
Cash flow needed (1.25×)
$134K
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
JD Cooper Logistics Inc. in Woodinville, WA — $410K (2023) · purchase · Banner Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$205K (50%)
Approval → funding
2 days
Approved
12/21/2022
First disbursed
12/23/2022
Loan status
Failed — $276K charged off (2/3/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
General Freight Trucking, Local
If you were the buyer here
Est. deal size
$456K
Est. down payment (10%)
$46K
Est. cash at closing
$61K
Monthly payment
$8,022
Annual debt service
$96K
Cash flow needed (1.25×)
$120K
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 Banner Bank · Lender record →
Your business? Claim this record · Request removal
JD Cooper Logistics Inc. in Woodinville, WA — $90K (2023) · Banner Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$45K (50%)
Approval → funding
17 days
Approved
1/30/2023
First disbursed
2/16/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal
B.A.N.G. Development, Ltd. in Gig Harbor, WA — $825K (2021) · First-Citizens Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
111 months
SBA guaranteed
$743K (90%)
Approval → funding
7 days
Approved
3/24/2021
First disbursed
3/31/2021
Loan status
Paid in full (7/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
194
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Assana Enterprises Inc. in Seattle, WA — $243K (2020) · Heritage Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$182K (75%)
Approval → funding
99 days
Approved
11/22/2019
First disbursed
2/29/2020
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 Heritage Bank · Lender record →
Your business? Claim this record · Request removal
ASR LLC in Renton, WA — $75K (2020) · purchase · KeyBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.24% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (50%)
Approved
8/19/2020
Loan status
Cancelled
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
$83K
Est. down payment (10%)
$8K
Est. cash at closing
$11K
Monthly payment
$842
Annual debt service
$10K
Cash flow needed (1.25×)
$13K
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 KeyBank National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Subway in Washington? Start with a lender that funds them here

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CapBench analysis of public SBA 7(a) lending records; ranked by funded Subway loans with a Washington project address. Mega-bank call-center lenders excluded.

Agent summary

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

$210K typical Subway loan
9 lenders active in Washington
12+ funded Washington deals
17 days typical to fund

Buyers buying a Subway in Washington 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/washington
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.