Food & Restaurants · lender intelligence
The SBA 7(a) lenders that fund the most Subway deals, ranked from public loan records — typical Subway loan runs about $210K, with a 2.46% failure rate across 367 loans. A bank that has funded the brand before already knows the model — that's faster approvals and better terms for you.
Ranked by funded Subway loans. Tap a lender to open its full record, or hit for an introduction.
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.
Funded by Republic Bank & Trust Company · Lender record →
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If you were the buyer here
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 First Bank & Trust · Lender record →
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If you were the buyer here
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 ACC Capital · Lender record →
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Funded by Newtek Bank, National Association · Lender record →
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If you were the buyer here
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 Citizens State Bank of New Castle · Lender record →
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Funded by Provident Bank · Lender record →
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Funded by Timberline Bank · Lender record →
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Funded by First Commonwealth Bank · Lender record →
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Funded by Newtek Bank, National Association · Lender record →
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Funded by FirstBank Puerto Rico · Lender record →
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If you were the buyer here
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 The Huntington National Bank · Lender record →
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If you were the buyer here
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 First Bank & Trust · Lender record →
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Funded by Northeast Bank · Lender record →
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If you were the buyer here
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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If you were the buyer here
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 Central Pacific Bank · Lender record →
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Funded by Hancock Whitney Bank · Lender record →
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If you were the buyer here
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 Commercial Bank · Lender record →
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Funded by Republic Bank & Trust Company · Lender record →
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Funded by Newtek Bank, National Association · Lender record →
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Funded by CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
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Buying a Subway? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded loans to Subway businesses. Mega-bank call-center lenders excluded.
How to finance a Subway purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. The Huntington National Bank funds the most. DealRoom is not a lender.
Buyers researching a Subway typically pre-qualify for SBA 7(a) financing next, then ask DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
What it typically takes to buy and finance Subwayon an SBA 7(a) loan — estimated from public loan data at today's rate.
$210K
Typical loan
range $80K–$414K
$233K
Est. purchase price
≈ loan ÷ 90%
$31,208
Cash to close
$23,333 down + fees
$3,074/mo
Typical payment
~12.5% · 10yr
$42,421/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
97.5%
Still performing
2.5% default · FY20–23
24 days
Typical time to fund
143
Lenders competing
more = leverage
7.79%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer. Purchase price and down payment are derived from the typical funded loan (SBA finances ~90%); payment and cash-flow figures use today's Prime over a 10-year term. Default rate is the FY2020–23 charge-off share on this slice. Not a credit decision.