Jon Smith Subs
8
SBA Loans
$5.4M
Total Financed
$669K
Avg Loan Size
—
YoY Loan Growth
How Jon Smith Subs Compares
- Ranks #262 of 1,075 Restaurants & Food brands by SBA loan count (#1,026 of 3,543 overall).
- Its average loan of $669K is 60% above the Restaurants & Food median of $419K.
- With only 8 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 1 | $500K |
| FY2021 | 3 | $3.4M |
| FY2022 | 2 | $581K |
| FY2023 | 1 | $500K |
| FY2026 | 1 | $412K |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Jon Smith Subs Is Getting SBA-Financed
Recent SBA-Financed Jon Smith Subs Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Jon Smith Subs growing or shrinking?
Jon Smith Subs doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #262 of 1,075 Restaurants & Food brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Jon Smith Subs franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $669K (60% above the typical Restaurants & Food brand's $419K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Jon Smith Subs?
Jon Smith Subs only has 8 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.
Top SBA Lenders
- Citizens Bank4
- Newtek Small Business Finance, Inc.2
- Beacon Bank and Trust1
- Pinnacle Bank1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset