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 2021–2026.
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 | 14 | $9.0M | $643K |
| 2 | The Huntington National Bank | 10 | $4.8M | $481K |
| 3 | SouthState Bank, National Association | 8 | $3.0M | $374K |
| 4 | Gulf Coast Bank and Trust Company | 6 | $2.3M | $377K |
| 5 | 22nd State Bank, A Division of 22nd State Banking Company | 5 | $1.6M | $317K |
| 5 | SouthWest Bank | 5 | $1.6M | $324K |
| 7 | United Community Bank | 4 | $1.6M | $401K |
| 7 | KeyBank National Association | 4 | $1.4M | $338K |
| 9 | 1st Source Bank | 3 | $804K | $268K |
| 9 | First National Bank of Omaha | 3 | $1.3M | $431K |
| 9 | LendingClub Bank, National Association | 3 | $1.7M | $572K |
| 9 | First Internet Bank of Indiana | 3 | $3.1M | $1.0M |
| 9 | Nicolet National Bank | 3 | $1.4M | $481K |
| 14 | Centerstone SBA Lending, Inc. | 2 | $890K | $445K |
| 14 | Beacon Bank and Trust | 2 | $1.7M | $827K |
| 14 | First Harrison Bank | 2 | $185K | $93K |
| 14 | FWBank | 2 | $2.4M | $1.2M |
| 14 | Luminate Bank | 2 | $775K | $388K |
| 14 | Magnifi Financial CU | 2 | $673K | $337K |
| 14 | Newtek Small Business Finance, Inc. | 2 | $419K | $209K |
| 14 | North State Bank | 2 | $874K | $437K |
| 14 | Old National Bank | 2 | $772K | $386K |
| 14 | Peoples Bank | 2 | $405K | $202K |
| 14 | Pinnacle Bank | 2 | $904K | $452K |
| 14 | PNC Bank, National Association | 2 | $375K | $188K |
| 14 | Sunflower Bank National Association | 2 | $779K | $390K |
| 14 | Three Rivers Bank of Montana | 2 | $446K | $223K |
| 14 | TowneBank | 2 | $475K | $238K |
| 14 | Zions Bank, A Division of | 2 | $758K | $379K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. 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 |
|---|---|---|---|
| TX | 14 | $6.6M | $471K |
| FL | 11 | $5.3M | $483K |
| AZ | 5 | $5.3M | $1.1M |
| GA | 10 | $4.9M | $492K |
| LA | 6 | $4.7M | $776K |
| 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 |
| CO | 5 | $2.3M | $468K |
| WI | 4 | $2.3M | $563K |
| MO | 3 | $2.2M | $748K |
| MI | 6 | $2.2M | $362K |
| AL | 4 | $2.0M | $504K |
Firehouse Subs SBA loans by year
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 — 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).