How much do lenders finance for a Quiznos franchise?

The median SBA loan approved for a Quiznos franchise is $68,000, with the middle 80% of loans between $10,000 and $277,000. 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 Quiznos franchises?

By dollars approved, the most active SBA lenders for Quiznos have been Poppy Bank, Park Bank, Economic Development Bank for Puerto Rico, First 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 Quiznos SBA loans?

The median term is 8 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.

Do Quiznos SBA loans get charged off often?

22.2% of Quiznos loans approved between FY2010 and FY2019 that have reached a terminal status were charged off, against 7.6% across all SBA lending. Franchise-level charge-off rates reflect the era a brand expanded in as much as the concept itself - brands that grew hardest into the 2010s carry more seasoned, and more resolved, loans.

Franchise financing

Financing a Quiznos franchise

SBA lenders have approved 49 loans against the Quiznos brand since FY2010, totalling $7.5M. The median approval was $68,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#450

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$68,000

Typical range

$10K-$277K

Middle 80% of loans

Median term

8 yr

Charge-off rate

22.2%

36 resolved FY10-19 loans

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 Quiznos

Lender	Loans	Approved
Poppy Bank	1	$1.7M
Park Bank	1	$620K
Economic Development Bank for Puerto Rico	1	$489K
First Bank	1	$401K
The Huntington National Bank	5	$375K
The Central Trust Bank	2	$285K
Capitol	1	$277K
Mountain Pacific Bank	1	$258K

Geography

Where Quiznos units were financed

State	Loans	Share
California	8
Washington	5
Missouri	4
Texas	4
Michigan	3
Illinois	3
Alabama	2
New York	2

Approvals by fiscal year

’10

’11

’12

’13

’14

’16

’17

’18

’19

’20

’21

’23

’26

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
41%
$50K - $150K
27%
$150K - $350K
24%
$350K - $1M
6%
$1M - $2M
2%

Financing a Quiznos: common questions

How much do lenders finance for a Quiznos franchise?: The median SBA loan approved for a Quiznos franchise is $68,000, with the middle 80% of loans between $10,000 and $277,000. 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 Quiznos franchises?: By dollars approved, the most active SBA lenders for Quiznos have been Poppy Bank, Park Bank, Economic Development Bank for Puerto Rico, First 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 Quiznos SBA loans?: The median term is 8 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.
Do Quiznos SBA loans get charged off often?: 22.2% of Quiznos loans approved between FY2010 and FY2019 that have reached a terminal status were charged off, against 7.6% across all SBA lending. Franchise-level charge-off rates reflect the era a brand expanded in as much as the concept itself - brands that grew hardest into the 2010s carry more seasoned, and more resolved, loans.

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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