Food & Restaurants · lender intelligence
How to finance a Subway in Michigan
The SBA 7(a) lenders funding the most Subway deals in Michigan, from public loan records — typical Subway loan about $210K. A bank already funding the brand in your state knows it twice over.
Most active with Subway in Michigan
Ranked by funded Subway loans in Michigan. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.15 loans · $4M · Waverly, NEFull record →
- 3.9 loans · $8M · Chelsea, MIFull record →
- 4.42 loans · $48M · Los Angeles, CAFull record →
- 5.168 loans · $205M · Fishers, INFull record →
- 6.1 loans · $0M · Berrien Springs, MIFull record →
- 7.62 loans · $21M · Saint Cloud, MNFull record →
- 8.9 loans · $5M · Wausau, WIFull record →
20+ funded Subway in Michigan 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.
- Wyatt Subway Llc in Clarkston, MI — $10K (2026) · JPMorgan Chase Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 13.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $5K (50%)
- Approved
- 3/12/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by JPMorgan Chase Bank, National Association · Lender record →
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- Bosco Subs, L.L.C. in La Salle, MI — $1.3M (2025) · purchase · Horizon Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 17 days
- Approved
- 6/9/2025
- First disbursed
- 6/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 130
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $149K
- Est. cash at closing
- $204K
- Monthly payment
- $16,438
- Annual debt service
- $197K
- Cash flow needed (1.25×)
- $247K
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 Horizon Bank · Lender record →
Your business? Claim this record · Request removal
- Famwich Enterprises LLC in La Salle, MI — $660K (2025) · Horizon Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $495K (75%)
- Approval → funding
- 135 days
- Approved
- 9/29/2025
- First disbursed
- 2/11/2026
- Loan status
- Current
- 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 Horizon Bank · Lender record →
Your business? Claim this record · Request removal
- SHREE SINDHVAI LLC # 2 in Fort Gratiot, MI — $266K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.99% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $199K (75%)
- Approval → funding
- 26 days
- Approved
- 7/30/2025
- First disbursed
- 8/25/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Subway 1775 in Grand Rapids, MI — $215K (2025) · purchase · Centerstone SBA Lending, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $161K (75%)
- Approval → funding
- 68 days
- Approved
- 5/30/2025
- First disbursed
- 8/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $239K
- Est. down payment (10%)
- $24K
- Est. cash at closing
- $32K
- Monthly payment
- $2,782
- Annual debt service
- $33K
- Cash flow needed (1.25×)
- $42K
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 Centerstone SBA Lending, Inc. · Lender record →
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- SUB 1107 LLC in Chelsea, MI — $78K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $59K (75%)
- Approval → funding
- 27 days
- Approved
- 3/19/2025
- First disbursed
- 4/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- SUB 1107 LLC in Chelsea, MI — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 27 days
- Approved
- 3/19/2025
- First disbursed
- 4/15/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Shamoon Enterprises Inc. in Shelby Township, MI — $566K (2024) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $425K (75%)
- Approved
- 3/13/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- 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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- T&C Lubelski, LLC in Edwardsburg, MI — $167K (2024) · purchase · Honor CU
- Program
- 7a General
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $126K (75%)
- Approval → funding
- 3 days
- Approved
- 9/10/2024
- First disbursed
- 9/13/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $186K
- Est. down payment (10%)
- $19K
- Est. cash at closing
- $25K
- Monthly payment
- $2,121
- Annual debt service
- $25K
- Cash flow needed (1.25×)
- $32K
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 Honor CU · Lender record →
Your business? Claim this record · Request removal
- Beck's, LLC in Jackson, MI — $137K (2023) · Chelsea State Bank
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $117K (85%)
- Approved
- 1/23/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Chelsea State Bank · Lender record →
Your business? Claim this record · Request removal
- Big Spoon LLC in Mount Morris, MI — $437K (2022) · Horizon Bank
- Program
- 7a General
- Rate at approval
- 4% variable
- Term
- 243 months
- SBA guaranteed
- $327K (75%)
- Approval → funding
- 32 days
- Approved
- 12/19/2021
- First disbursed
- 1/20/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Horizon Bank · Lender record →
Your business? Claim this record · Request removal
- BIG SPOON LLC in Grand Blanc, MI — $105K (2021) · Horizon Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $95K (90%)
- Approval → funding
- 149 days
- Approved
- 8/24/2021
- First disbursed
- 1/20/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Horizon Bank · Lender record →
Your business? Claim this record · Request removal
- DNA ENTERPRISES, INC. in Macomb, MI — $37K (2021) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $28K (75%)
- Approval → funding
- 3 days
- Approved
- 9/27/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- RJS Enterprises, Inc. in Lansing, MI — $244K (2020) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $183K (75%)
- Approval → funding
- 21 days
- Approved
- 4/9/2020
- First disbursed
- 4/30/2020
- Loan status
- Paid in full (12/31/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Three T LLC in Muskegon, MI — $228K (2020) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $171K (75%)
- Approval → funding
- 15 days
- Approved
- 2/14/2020
- First disbursed
- 2/29/2020
- 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
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- L and B Subs, Inc. in Crystal Falls, MI — $210K (2020) · purchase · IncredibleBank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $158K (75%)
- Approval → funding
- 51 days
- Approved
- 2/9/2020
- First disbursed
- 3/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $233K
- Est. down payment (10%)
- $23K
- Est. cash at closing
- $31K
- Monthly payment
- $2,358
- Annual debt service
- $28K
- Cash flow needed (1.25×)
- $35K
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 IncredibleBank · Lender record →
Your business? Claim this record · Request removal
- RLZJ LLC in Coloma, MI — $135K (2020) · purchase · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $115K (85%)
- Approval → funding
- 29 days
- Approved
- 10/2/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $150K
- Est. down payment (10%)
- $15K
- Est. cash at closing
- $19K
- Monthly payment
- $1,620
- Annual debt service
- $19K
- Cash flow needed (1.25×)
- $24K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- RLP SUBWAY INC in Tecumseh, MI — $50K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 18 days
- Approved
- 6/12/2020
- First disbursed
- 6/30/2020
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- KGA GROUP, INC. in Okemos, MI — $50K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 4/20/2020
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Three T LLC in Muskegon, MI — $25K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 76 days
- Approved
- 2/14/2020
- First disbursed
- 4/30/2020
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Subway in Michigan? 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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DealRoom analysis of public SBA 7(a) lending records; ranked by funded Subway loans with a Michigan project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in Michigan with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Michigan deals. The Huntington National Bank funds the most here. DealRoom is not a lender.
- $210K typical Subway loan
- 9 lenders active in Michigan
- 20+ funded Michigan deals
- 27 days typical to fund
Buyers buying a Subway in Michigan 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:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.