Financing a Firehouse Subs with an SBA loan
Since FY2020, 46 Firehouse Subs locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, which lenders wrote them, and where the brand stands with the SBA.
Firehouse Subs franchising: franchising.firehousesubs.com
What a lender sees
Firehouse Subs is an established brand in the SBA loan file: 46 acquisitions cleared underwriting in the last five years. At the $300,000 median loan, a standard 7(a) structure puts roughly $30,000 of buyer equity into the deal at the 10 percent minimum injection, with the rest financed over ten years. The 10.24 percent median rate is the number to model your payment against.
Lenders that actually write these
The banks below approved the most Firehouse Subs acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.
- Live Oak Banking Company8 Firehouse Subs loans
- SouthWest Bank4 Firehouse Subs loans
- Gulf Coast Bank and Trust Company3 Firehouse Subs loans
- SouthState Bank, National Association3 Firehouse Subs loans
- 22nd State Bank, A Division of 22nd State Banking Company2 Firehouse Subs loans
SBA conditions on this brand
Firehouse Subs is listed in the SBA Franchise Directory with no brand-specific lender conditions on file. A lender still runs the standard franchise review, but there is no special addendum or lease restriction attached to this brand.
Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. We are not affiliated with Firehouse Subs or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.