Firehouse Subs, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0639)
170 deals since 2020 · typical deal $389K · 1.59% failure rate
170
Deals since 2020
$389K
Typical deal
27
Deals since FY2025
1.59%
Failure rate (FY20–23)
Firehouse Subs's 1.59% failure rate sits in the normal range for franchises. Underwrite the location, not just the brand.
What buyers pay for Firehouse Subs
Most Firehouse Subs deals financed between $249K and $564K. Above $564K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,092
- Down payment (10%)
- $43K
- Cash to close (all-in)
- $58K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$58K)
Experience
Recent financings
- 3 SONS SUBS 185, LLC in Lakeland, FL — $1.7M (2026) · purchase · FWBank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)