Franchise financing
FIREHOUSE SUBS franchise financing
What it costs to finance a FIREHOUSE SUBS franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 612
- Total funded
- $197.1M
- Median loan
- $288K
- 7(a) charge-off
- 4.6%
What financing a FIREHOUSE SUBS franchise costs
The median SBA loan to a FIREHOUSE SUBS franchisee is $288K, and the middle half of FIREHOUSE SUBS's 612 loans run $225K to $356K (average $322K). Across all SBA-financed franchises the median loan is $350K. FIREHOUSE SUBS buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median FIREHOUSE SUBS loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 565 FIREHOUSE SUBS loans where the SBA recorded a business age, 68.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance FIREHOUSE SUBS
FIREHOUSE SUBS franchisees have financed with 612 SBA loans since FY2010, averaging $322K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (608 of the 612 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
FIREHOUSE SUBS's 7(a) charge-off rate is 4.6% across 608 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance FIREHOUSE SUBS
By SBA loan count
Where FIREHOUSE SUBS gets funded
Top states by loan count
- 1. Texas 61
- 2. Florida 56
- 3. Georgia 48
- 4. California 36
- 5. Arizona 19
- 6. North Carolina 23
- 7. Ohio 28
- 8. Virginia 30
Financing a FIREHOUSE SUBS?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
FIREHOUSE SUBS SBA financing FAQ
How much does a FIREHOUSE SUBS franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a FIREHOUSE SUBS franchisee is $288K, and the middle half of FIREHOUSE SUBS's 612 loans run $225K to $356K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of FIREHOUSE SUBS's franchise disclosure document.
Can you use an SBA loan for FIREHOUSE SUBS?
Yes. Lenders have funded 612 SBA loans to FIREHOUSE SUBS franchisees, worth $197.1M in all, so FIREHOUSE SUBS is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for FIREHOUSE SUBS?
The data says yes: of FIREHOUSE SUBS's 565 SBA loans that record a business age, 68.7% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance FIREHOUSE SUBS?
By loan count, the most active SBA lenders for FIREHOUSE SUBS are Stearns Bank National Association, Live Oak Banking Company, The Huntington National Bank, among others. A lender already active with your brand often moves faster.
What is FIREHOUSE SUBS's SBA charge-off rate?
Across FIREHOUSE SUBS's 608 SBA 7(a) loans, 4.6% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits FIREHOUSE SUBS?
Mostly 7(a): 608 of FIREHOUSE SUBS's 612 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median FIREHOUSE SUBS loan term is 10 years.