Franchise financing
SUBWAY SANDWICH SHOP franchise financing
What it costs to finance a SUBWAY SANDWICH SHOP 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
- 709
- Total funded
- $172.3M
- Median loan
- $185K
- 7(a) charge-off
- 3.4%
What financing a SUBWAY SANDWICH SHOP franchise costs
The median SBA loan to a SUBWAY SANDWICH SHOP franchisee is $185K, and the middle half of SUBWAY SANDWICH SHOP's 709 loans run $125K to $286K (average $243K). Across all SBA-financed franchises the median loan is $350K. SUBWAY SANDWICH SHOP 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 SUBWAY SANDWICH SHOP loan runs 8 years. Model your numbers with the franchise financing calculator.
Of the 658 SUBWAY SANDWICH SHOP loans where the SBA recorded a business age, 37.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance SUBWAY SANDWICH SHOP
SUBWAY SANDWICH SHOP franchisees have financed with 709 SBA loans since FY2010, averaging $243K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (645 of the 709 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
SUBWAY SANDWICH SHOP's 7(a) charge-off rate is 3.4% across 645 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance SUBWAY SANDWICH SHOP
By SBA loan count
Where SUBWAY SANDWICH SHOP gets funded
Top states by loan count
- 1. California 63
- 2. Texas 57
- 3. Indiana 31
- 4. Illinois 46
- 5. Michigan 32
- 6. Washington 35
- 7. Ohio 41
- 8. Oklahoma 18
Financing a SUBWAY SANDWICH SHOP?
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.
SUBWAY SANDWICH SHOP SBA financing FAQ
How much does a SUBWAY SANDWICH SHOP franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a SUBWAY SANDWICH SHOP franchisee is $185K, and the middle half of SUBWAY SANDWICH SHOP's 709 loans run $125K to $286K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of SUBWAY SANDWICH SHOP's franchise disclosure document.
Can you use an SBA loan for SUBWAY SANDWICH SHOP?
Yes. Lenders have funded 709 SBA loans to SUBWAY SANDWICH SHOP franchisees, worth $172.3M in all, so SUBWAY SANDWICH SHOP is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for SUBWAY SANDWICH SHOP?
The data says yes: of SUBWAY SANDWICH SHOP's 658 SBA loans that record a business age, 37.8% 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 SUBWAY SANDWICH SHOP?
By loan count, the most active SBA lenders for SUBWAY SANDWICH SHOP are OakStar Bank, JPMorgan Chase Bank, National Association, The Huntington National Bank, among others. A lender already active with your brand often moves faster.
What is SUBWAY SANDWICH SHOP's SBA charge-off rate?
Across SUBWAY SANDWICH SHOP's 645 SBA 7(a) loans, 3.4% 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 SUBWAY SANDWICH SHOP?
Mostly 7(a): 645 of SUBWAY SANDWICH SHOP's 709 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median SUBWAY SANDWICH SHOP loan term is 8 years.