Food & Restaurants · lender intelligence
How to finance a Firehouse Subs in North Carolina
The SBA 7(a) lenders funding the most Firehouse Subs deals in North Carolina, from public loan records — typical Firehouse Subs loan about $389K. A bank already funding the brand in your state knows it twice over.
Most active with Firehouse Subs in North Carolina
Ranked by funded Firehouse Subs loans in North Carolina. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.78 loans · $79M · New Orleans, LAFull record →
- 2.168 loans · $205M · Fishers, INFull record →
- 3.28 loans · $42M · Lehi, UTFull record →
- 4.4 loans · $2M · Milton, WIFull record →
7+ funded Firehouse Subs in North Carolina 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.
- HERMAN'S HOAGIES, INC. in Franklin, NC — $457K (2024) · LendingClub Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 129 months
- SBA guaranteed
- $343K (75%)
- Approved
- 4/23/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by LendingClub Bank, National Association · Lender record →
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- Firehouse Subs #116 in Kannapolis, NC — $453K (2024) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $340K (75%)
- Approval → funding
- 92 days
- Approved
- 3/12/2024
- First disbursed
- 6/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
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- DFE OPERATIONS 1, LLC in Kannapolis, NC — $680K (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $510K (75%)
- Approved
- 2/14/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 41
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
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- HERMAN'S HOAGIES, INC. in Franklin, NC — $452K (2022) · LendingClub Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 129 months
- SBA guaranteed
- $339K (75%)
- Approved
- 5/25/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by LendingClub Bank, National Association · Lender record →
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- SUBperb Sandwiches Hendersonville LLC in Hendersonville, NC — $290K (2022) · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $218K (75%)
- Approval → funding
- 46 days
- Approved
- 7/29/2022
- First disbursed
- 9/13/2022
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
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- FOODCONCEPTS NC LLC in Mount Airy, NC — $800K (2021) · First Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% variable
- Term
- 122 months
- SBA guaranteed
- $720K (90%)
- Approval → funding
- 15 days
- Approved
- 9/15/2021
- First disbursed
- 9/30/2021
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by First Community Bank · Lender record →
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- Firehouse Subs in Morganton, NC — $320K (2021) · purchase · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 61 days
- Approved
- 12/6/2020
- First disbursed
- 2/5/2021
- Loan status
- Paid in full (8/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $356K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $3,553
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $53K
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 Gulf Coast Bank and Trust Company · Lender record →
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Buying a Firehouse Subs in North Carolina? 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.
Free · No documents · Usually same-day
DealRoom analysis of public SBA 7(a) lending records; ranked by funded Firehouse Subs loans with a North Carolina project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Firehouse Subs purchase in North Carolina with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded North Carolina deals. Gulf Coast Bank and Trust Company funds the most here. DealRoom is not a lender.
- $389K typical Firehouse Subs loan
- 4 lenders active in North Carolina
- 7+ funded North Carolina deals
- 61 days typical to fund
Buyers buying a Firehouse Subs in North Carolina typically pre-qualify, then ask DealRoom to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources: