How much do lenders finance for a Charley's Grilled Subs franchise?

The median SBA loan approved for a Charley's Grilled Subs franchise is $150,000, with the middle 80% of loans between $20,000 and $252,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Charley's Grilled Subs franchises?

By dollars approved, the most active SBA lenders for Charley's Grilled Subs have been First National Bank and Trust Company of Weatherford d/b/a First Bank Texas, Interstate Bank, Regions Bank, Metro City Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Charley's Grilled Subs SBA loans?

The median term is 7 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Charley's Grilled Subs franchise

SBA lenders have approved 23 loans against the Charley's Grilled Subs brand since FY2010, totalling $3.5M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#891

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$150,000

Typical range

$20K-$252K

Middle 80% of loans

Median term

7 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Charley's Grilled Subs

Lender	Loans	Approved
First National Bank and Trust Company of Weatherford d/b/a First Bank Texas	2	$402K
Interstate Bank	2	$402K
Regions Bank	1	$382K
Metro City Bank	1	$330K
Bank of Hope	6	$260K
JPMorgan Chase Bank	2	$250K
The Bank of Princeton	1	$250K
First Business Bank	1	$240K

Geography

Where Charley's Grilled Subs units were financed

State	Loans	Share
Texas	7
California	3
Connecticut	3
Ohio	3
Kansas	2
New Jersey	1
South Dakota	1
Maine	1

Approvals by fiscal year

’10

’11

’12

’13

’14

’16

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
17%
$50K - $150K
26%
$150K - $350K
52%
$350K - $1M
4%

Financing a Charley's Grilled Subs: common questions

How much do lenders finance for a Charley's Grilled Subs franchise?: The median SBA loan approved for a Charley's Grilled Subs franchise is $150,000, with the middle 80% of loans between $20,000 and $252,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Charley's Grilled Subs franchises?: By dollars approved, the most active SBA lenders for Charley's Grilled Subs have been First National Bank and Trust Company of Weatherford d/b/a First Bank Texas, Interstate Bank, Regions Bank, Metro City Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Charley's Grilled Subs SBA loans?: The median term is 7 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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