Franchise financing
JIMMY JOHN'S franchise financing
What it costs to finance a JIMMY JOHN'S 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
- 881
- Total funded
- $419.1M
- Median loan
- $391K
- 7(a) charge-off
- 4.3%
What financing a JIMMY JOHN'S franchise costs
The median SBA loan to a JIMMY JOHN'S franchisee is $391K, and the middle half of JIMMY JOHN'S's 881 loans run $304K to $473K (average $476K). Across all SBA-financed franchises the median loan is $350K. JIMMY JOHN'S buyers borrow more 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 JIMMY JOHN'S loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 824 JIMMY JOHN'S loans where the SBA recorded a business age, 63.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance JIMMY JOHN'S
JIMMY JOHN'S franchisees have financed with 881 SBA loans since FY2010, averaging $476K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (829 of the 881 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
JIMMY JOHN'S's 7(a) charge-off rate is 4.3% across 829 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance JIMMY JOHN'S
By SBA loan count
Where JIMMY JOHN'S gets funded
Top states by loan count
- 1. Texas 85
- 2. Minnesota 53
- 3. Ohio 64
- 4. Illinois 46
- 5. Michigan 51
- 6. Florida 54
- 7. Georgia 52
- 8. California 41
Financing a JIMMY JOHN'S?
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.
JIMMY JOHN'S SBA financing FAQ
How much does a JIMMY JOHN'S franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a JIMMY JOHN'S franchisee is $391K, and the middle half of JIMMY JOHN'S's 881 loans run $304K to $473K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of JIMMY JOHN'S's franchise disclosure document.
Can you use an SBA loan for JIMMY JOHN'S?
Yes. Lenders have funded 881 SBA loans to JIMMY JOHN'S franchisees, worth $419.1M in all, so JIMMY JOHN'S is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for JIMMY JOHN'S?
The data says yes: of JIMMY JOHN'S's 824 SBA loans that record a business age, 63.7% 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 JIMMY JOHN'S?
By loan count, the most active SBA lenders for JIMMY JOHN'S are Wells Fargo Bank National Association, The Huntington National Bank, Banc of California, among others. A lender already active with your brand often moves faster.
What is JIMMY JOHN'S's SBA charge-off rate?
Across JIMMY JOHN'S's 829 SBA 7(a) loans, 4.3% 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 JIMMY JOHN'S?
Mostly 7(a): 829 of JIMMY JOHN'S's 881 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median JIMMY JOHN'S loan term is 10 years.