These Lenders Can Help Make Your Development Goals Become A Reality

In addition to checking into funding available through your local bank and government programs, the
SUBWAY chain has approved five companies as preferred financing firms for franchisees. Make
sure to learn about these lenders in advance, by reviewing the pluses and minuses of each
companys financing packages. Refer to the charts for general information about loan amount and
terms, contact the SUBWAY account rep., and visit each of their websites. The more educated you
are, the better decisions you will be able to make.

Priority Capital, Inc.

Priority Capital, Inc has provided financing to SUBWAY franchisees since 1999. Our Franchisee
First program provides equipment financing for remodels, refinancing, acquisitions and new
construction. We offer application only financing to $150,000 on all projects for existing franchisees.
Since 1997, Priority Capital, Inc. has serviced customers throughout the US providing affordable
equipment financing and has been listed two separate times in Inc. Magazines annual Inc. 500 as
one of Americas fasted growing companies. The Franchise Group has experience in all aspects of
capital financing and is at your disposal for questions and consultation and we pride ourselves in our
numerous repeat customers. We look forward to working with you. Company info: Priority Capital,
Inc. The franchise Group, 174 Green St., Melrose, MA 02176. Toll free 1-800-761-2118, Craig
Reason, Ext. 24 Franchise Program Manger, email, creason@prioritycapitalcorp.com, Steve
McCabe, Ext. 23 Senior Franchise Executive email, smccabe@prioritycapitalcorp.com;
Fax: 866-268-6321, website, www.prioritycapitalcorp.com

Available in US and
Canada

Priority Capital, Inc

Loan Amount Based on Value

Terms

Application Process

Acquisition Financing

Up to 100% application only:

Up to $150,000

Up to 84 months

1 Pg application 1-2 days

Financials: 3-5 day

New Store
Development

Up to 100%

Equipment Financing

100%

Other Special
Programs

Remodels to include all leasehold

improvements.
Start up franchise:$100,000
App only Wal-mart and C-store
kiosks, Non trad sites

Up to 84 months

1 Pg application 1-2 days

Financials 3-5 days

Up to 84 months

1 Pg application 1-3 days

Up to 84 months

1 Pg application 1-2 days

Up to 84 months

1 Pg application 1-2 days

Up to 84 months

1 Pg application 1-2 days

These Lenders Can Help Make Your Development Goals Become A Reality

JenCas Financial, Inc.

JenCas Financial, Inc. is a nationwide business lending company specializing in franchise financing.
Representatives of JenCas Financial have been providing financing to SUBWAY franchisees since
1994. Up to 100% financing is available for new store development (including soft cost), acquisitions,
remodels and relocations. JenCas Financial also has the ability to refinance existing business debt
and provide working capital loans. Franchisees can expect fast credit decisions with responsive,
personalized service. JenCas Financial has a website that allows franchisees to apply online by
visiting www.jencas.com. Company info: JenCas Financial, Inc., 4 Country Club Circle, Suite 202,
Maumelle, AR 72113. Toll Free 877-953-6227, fax 501-851-1449 or email; info@jencas.com

JenCas Financial, Inc

Available in US only
Loan Amount Based on Value
Acquisition Financing
New Store
Development
Equipment Financing
Other Special
Programs

Up to 100%
Up to 100%

Up to 100%
Special programs include: WalMart locations, c-store locations,
remodels, relocations, working
capital loans and many more.

Terms

Application Process

24-84 Months

1 Pg app
1-2 day turnaround

24-84 Months

1 Pg app
1-2 day turnaround

24-84 Months

1 Pg app
1-2 day turnaround

24- 84 Months

1 Pg app
1-2 day turnaround

These Lenders Can Help Make Your Development Goals Become A Reality

American Equipment Finance (AEF)

American Equipment Finance (AEF) is a SUBWAY financing expert. We provide 100% financing for
store acquisition, build-outs, remodels and equipment. AEF will work to provide SUBWAY
franchisees the lowest, fixed payments combined with fast approvals and professional/knowledgeable
service. AEF is one of the 5000 fastest growing private companies in America according to Inc.
Magazine, as well as, one of the 25 largest independent finance companies as published in the
Monitor; a leading industry publication. The management team AEF has more than 50 years of
combined finance industry expertise and has funded in excess of $600,000,000 for small and medium
sized businesses in the United States. Company info: American Equipment Finance, 258 King
George Road, Warren, NJ 07059. Account Rep; Jared Curko, Director of Franchise Development,
Phone toll free, 800-785-3060 Ext. 211, email; jaredcurko@aefllc.com. David Cuccolo, National
Sales Manager, phone toll free 800-785-3060 Ext. 214 email; dcuccolo@aefllc.com, website
www.aefllc.com.

Available in US only

American Equipment Finance

Loan Amount Based On Value

Terms

Up to 100%

12-120 Months

Up to 100%

12-120 Months

24-48 Hours

Up to 125%

12-84 Months

24-48 Hours

Acquisition Financing

Application Process
24-48 Hours

New Store Development

Equipment Financing

Other Special Programs

100% funding for remodels and
relocations. Start ups can apply for new
store development and acquisitions.
Customized repayment programs.

These Lenders Can Help Make Your Development Goals Become A Reality

Captive Capital
Captive Capital is focused on managing private-label financing programs, by arranging financing
requests through a network of lenders. SUBWAY franchisees can secure competitive financing
packages through one or more of the 15 lenders with whom Captive Capital maintains relationships
on an ongoing basis. Captive Capitals lenders handle expansions, remodels, relocations, and
equipment financing, dit histories. Typically qualified applicants will receive a credit proposal within
three business days of the receipt of a complete credit package (based on size of financing request
and history) Captive Capital offers financing in the continental US. Company info: Captive Capital
Corporation, 1040 First Avenue Suite 420 King of Prussia, PA., Acct. Rep.; Jason Barcoski, phone toll
free 800-994-3415, email; jbarcoski@captivecorp.com, local 610-354-8820 ext. 239, fax toll free 800994-4942, www.captivecorp.com

Captive Capital

Available in US only

Loan Amount Based on Value

Acquisition Financing

Terms

Application Process

Up to 84 Months

1 Pg app
7 day turnaround

Up to 84 Months

1 Pg app
7 day turnaround

Up to 72 Months

1 Pg app
1-3 day turnaround

Up to 80%

New Store Development

Up to 100%

Equipment Financing

Up to 100%

Other Special Programs

Several programs including remodels,

refinance, with flexible and custom plans
for all types of equipment acquisition.

These Lenders Can Help Make Your Development Goals Become A Reality

Harbour Capital Corp.

Harbour Capital Corp. is a full service business-to-business equipment finance company. Founded in
1994 by equipment finance professionals, HCC has grown into an industry leader and one of the
nations largest independent franchise finance companies. Our management team has over 100
years of combined experience in business and franchise financing, and we are recognized leader in
the industry. HCC understands the challenges you face as a business owner and we know what it
takes to make your next project a success. Whether its re-imaging, building a new store, buying an
existing store, or simply adding some new equipment; we specialize in providing creative and cost
effective solutions to SUBWAY franchisees in all 50 states and Canada. Our primary goal is to take
care of the details so you can focus on your business. Company info: Harbour Capital Corp., 121
Shattuck Way, Newington, NH 03801. Acct. Rep.; John Trainor; Phone 866-735-2657, email;
jtrainor@harbourcapital.com. Website; www.harbourcapital.com.

Available in US and
Canada

Harbour Capital Corp.

Loan Amount Based on
Value

Acquisition Financing

Up to 100%

New Store
Development

Up to 200% of equipment
cost includes delivery and
install

Equipment Financing

Other Special
Programs

Up to 135% of equipment
cost includes delivery and
install
Step up/down payment
structures 90 day
deferred payments
Wal-Mart/C-stores and
Non-trad sites. Partner
buyouts, loan
consolidations
(with new equipment).

Terms
Up to 84 Months
Up to 84 Months

Up to 84 Months

Up to 84 Months
on all programs

Application Process
1 Pg app and 2 yrs biz/pers financials
1 Pg app and 2 yrs biz/pers financial

1 Pg App to 75k 2yrs biz/pers financials over

75k

Equipment only turn around typically 1 day

financial turnaround typically 2-5 days from
receipt of complete package

These Lenders Can Help Make Your Development Goals Become A Reality

Banesco
Venezuela Only
Company Info: Caracas Acct Rep; Jorge Salas, Phone: local 902-4099, International 58-212-9024099,
Fax: local 902-4039, Email: Jorge_salas@banesco.com, Website: www.banesco.com

Bibby Leasing Limited

United Kingdom Only
Company Info: Schofield House, Gateway Drive, Yeadon, Leeds LS19 7XY, Acct Rep:
Mike Ringrose, Phone: 01509 217320, Fax: 01509 217405, Email: mike@bibbyfinancialservices.com,
Website: www.bibbyfinancialservices.com

Credito Leasing
Peru Only
Company Info: Acct Rep: Aldo Pinto, Phone: 51 1 3132000 Ext. 3364, Luis Degregori,
Phone: 51 1 3132000 Ext. 3307, Fax: 3132672, Email: apinto@bcp.com.pe,
ldegregori@bcp.com.pe, Website: www.viabcp.com