Subway, 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 S1639)
367 deals since 2020 · typical deal $210K · 2.46% failure rate
367
Deals since 2020
$210K
Typical deal
75
Deals since FY2025
2.46%
Failure rate (FY20–23)
Subway's 2.46% failure rate sits in the normal range for franchises. Underwrite the location, not just the brand.
What buyers pay for Subway
Most Subway deals financed between $80K and $414K. Above $414K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,105
- Down payment (10%)
- $23K
- Cash to close (all-in)
- $31K
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 ~$31K)
Experience
Recent financings
- Vandana Inc in Prospect, KY — $2.7M (2026) · Republic Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 120 mo (10 yrs)