Food & Restaurants · lender intelligence
How to finance a Subway in Wisconsin
The SBA 7(a) lenders funding the most Subway deals in Wisconsin, 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 Wisconsin
$267K
Typical loan
range $226K–$299K
$296K
Est. purchase price
≈ loan ÷ 90%
$39,649
Cash to close
$29,644 down + fees
$3,675/mo
Typical payment
~11% · 10yr
$50,715/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
17 days
Typical time to fund
5
Lenders competing
more = leverage
8.79%
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 Wisconsin
Ranked by funded Subway loans in Wisconsin. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.868 loans · $362M · Salt Lake City, UTFull record →
- 2.70 loans · $22M · Melrose, MNFull record →
- 3.26 loans · $7M · Cottage Grove, WIFull record →
6+ funded Subway in Wisconsin 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.
- BT6 GROUP LLC in Poynette, WI — $267K (2026) · purchase · Associated Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $200K (75%)
- Approval → funding
- 61 days
- Approved
- 11/14/2025
- First disbursed
- 1/14/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $296K
- Est. down payment (10%)
- $30K
- Est. cash at closing
- $40K
- Monthly payment
- $3,308
- Annual debt service
- $40K
- Cash flow needed (1.25×)
- $50K
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 Associated Bank, National Association
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- Ganesha5 LLC in Mauston, WI — $420K (2025) · purchase · River Bank
- Program
- 7a General
- Rate at approval
- 7.5% fixed
- Term
- 122 months
- SBA guaranteed
- $315K (75%)
- Approval → funding
- 28 days
- Approved
- 3/5/2025
- First disbursed
- 4/2/2025
- Loan status
- Current
- 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
- $467K
- Est. down payment (10%)
- $47K
- Est. cash at closing
- $62K
- Monthly payment
- $4,931
- Annual debt service
- $59K
- Cash flow needed (1.25×)
- $74K
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 River Bank
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- GAURI DELLS INC. in Wisconsin Dells, WI — $226K (2025) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $170K (75%)
- Approval → funding
- 8 days
- Approved
- 5/20/2025
- First disbursed
- 5/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $251K
- Est. down payment (10%)
- $25K
- Est. cash at closing
- $34K
- Monthly payment
- $2,955
- Annual debt service
- $35K
- Cash flow needed (1.25×)
- $44K
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 Celtic Bank Corporation · Lender record →
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- SHIVA DELLS INC. in Wisconsin Dells, WI — $226K (2025) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $170K (75%)
- Approval → funding
- 8 days
- Approved
- 5/20/2025
- First disbursed
- 5/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $251K
- Est. down payment (10%)
- $25K
- Est. cash at closing
- $34K
- Monthly payment
- $2,955
- Annual debt service
- $35K
- Cash flow needed (1.25×)
- $44K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- GNMD ENTERPRISES LLC in Mount Horeb, WI — $299K (2023) · purchase · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $224K (75%)
- Approval → funding
- 17 days
- Approved
- 9/16/2023
- First disbursed
- 10/3/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $332K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $44K
- Monthly payment
- $4,161
- Annual debt service
- $50K
- Cash flow needed (1.25×)
- $62K
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 Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
- KJ Holdings LLC in Lodi, WI — $25K (2022) · Summit CU
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 6 days
- Approved
- 3/30/2022
- First disbursed
- 4/5/2022
- Loan status
- Paid in full (10/31/2023)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Summit CU · Lender record →
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Buying a Subway in Wisconsin? 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 Wisconsin project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in Wisconsin with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Wisconsin deals. Celtic Bank Corporation funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 5 lenders active in Wisconsin
- 6+ funded Wisconsin deals
- 17 days typical to fund
Buyers buying a Subway in Wisconsin 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 2026-06-21.
- 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.