Franchise lender history
Lenders that funded Firehouse Subs franchisees.
Loan-level SBA 7(a) FOIA data can show which lenders have actually funded a franchise system. Use this as a lender-research starting point, not an approval prediction.
170
SBA 7(a) loans in FOIA set
$76M
Gross approved dollars
1.18%
Naive charge-off incidence
Not cohort-seasoned. See methodology.
Top lenders for Firehouse Subs
| Lender | Loans | Gross approved |
|---|---|---|
| Live Oak Banking Company | 16 | $10M |
| The Huntington National Bank | 13 | $6M |
| SouthState Bank, National Association | 10 | $5M |
| Gulf Coast Bank and Trust Company | 8 | $3M |
| SouthWest Bank | 5 | $2M |
| 22nd State Bank, A Division of 22nd State Banking Company | 5 | $2M |
| Three Rivers Bank of Montana | 4 | $936,000 |
| Zions Bank, A Division of | 4 | $1M |
| KeyBank National Association | 4 | $1M |
| Stearns Bank National Association | 4 | $1M |
| United Community Bank | 4 | $2M |
| Newtek Small Business Finance, Inc. | 3 | $841,500 |
States appearing in the brand history
- Texas: 17 loans
- Florida: 16 loans
- Georgia: 12 loans
- California: 11 loans
- Virginia: 10 loans
- Michigan: 8 loans
- North Carolina: 7 loans
- Tennessee: 7 loans
Data caveat
Recent loans have not seasoned long enough to compare default performance to older vintages. SourceFunding separates current lender activity from historical outcomes and avoids using recent cohorts as a definitive default-rate claim.