SBA Loans for Firehouse Subs Franchises
Who actually funds Firehouse Subs SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2026.
Top lenders funding Firehouse Subs SBA loans
Ranked by number of Firehouse Subs 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 19 | $11.3M | $595K |
| 2 | The Huntington National Bank | 10 | $4.8M | $481K |
| 3 | SouthState Bank, National Association | 9 | $3.3M | $371K |
| 4 | Gulf Coast Bank and Trust Company | 6 | $2.3M | $377K |
| 4 | First National Bank of Omaha | 6 | $2.8M | $462K |
| 6 | SouthWest Bank | 5 | $1.6M | $324K |
| 6 | 22nd State Bank, A Division of 22nd State Banking Company | 5 | $1.6M | $317K |
| 6 | United Community Bank | 5 | $2.2M | $447K |
| 9 | KeyBank National Association | 4 | $1.4M | $338K |
| 10 | Happen Bank | 3 | $1.7M | $572K |
| 10 | 1st Source Bank | 3 | $804K | $268K |
| 10 | Nicolet National Bank | 3 | $1.4M | $481K |
| 10 | First Internet Bank of Indiana | 3 | $3.1M | $1.0M |
| 14 | TowneBank | 2 | $475K | $238K |
| 14 | Central Bank | 2 | $2.3M | $1.2M |
| 14 | Luminate Bank | 2 | $775K | $388K |
| 14 | Newtek Small Business Finance, LLC | 2 | $419K | $209K |
| 14 | FWBank | 2 | $2.4M | $1.2M |
| 14 | Zions Bancorporation, National Association | 2 | $758K | $379K |
| 14 | North State Bank | 2 | $874K | $437K |
| 14 | Old National Bank | 2 | $772K | $386K |
| 14 | Magnifi Financial CU | 2 | $673K | $337K |
| 14 | Beacon Bank and Trust | 2 | $1.7M | $827K |
| 14 | Peoples Bank | 2 | $405K | $202K |
| 14 | Pinnacle Bank | 2 | $904K | $452K |
| 14 | First Harrison Bank | 2 | $185K | $93K |
| 14 | PNC Bank, National Association | 2 | $375K | $188K |
| 14 | Regions Bank | 2 | $2.2M | $1.1M |
| 14 | Sunflower Bank National Association | 2 | $779K | $390K |
| 14 | Centerstone SBA Lending, Inc. | 2 | $890K | $445K |
| 14 | Three Rivers Bank of Montana | 2 | $446K | $223K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Firehouse Subs loan in this period, ranked by loan count.
Firehouse Subs SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| FL | 15 | $8.3M | $554K |
| TX | 15 | $7.2M | $480K |
| AZ | 5 | $5.3M | $1.1M |
| AK | 3 | $5.1M | $1.7M |
| GA | 10 | $4.9M | $492K |
| LA | 6 | $4.7M | $776K |
| CO | 9 | $4.3M | $480K |
| NC | 7 | $3.5M | $493K |
| CA | 9 | $3.4M | $377K |
| VA | 10 | $2.9M | $288K |
| TN | 7 | $2.8M | $406K |
| NV | 3 | $2.8M | $947K |
| UT | 5 | $2.3M | $466K |
| WI | 4 | $2.3M | $563K |
| MO | 3 | $2.2M | $748K |
Firehouse Subs SBA loans by year
How Firehouse Subs SBA loans have performed
Outcomes for every funded Firehouse Subs 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
How to use this
The lenders above have actually closed SBA 7(a) loans for Firehouse Subs franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your Firehouse Subs deal to a lender currently funding this brand.
Financing a Firehouse Subs franchise?
We know which lenders are actively funding Firehouse Subs deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).