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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
company’s 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. Magazine’s annual Inc. 500 as
one of America’s 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: 1 Pg application 1-2 days


Up to 84 months
Up to $150,000 Financials: 3-5 day

New Store Up to 100% Up to 84 months 1 Pg application 1-2 days


Development Financials 3-5 days

Equipment Financing 100% Up to 84 months 1 Pg application 1-3 days

Remodels to include all leasehold


Other Special Up to 84 months 1 Pg application 1-2 days
improvements.
Programs Start up franchise:$100,000 Up to 84 months 1 Pg application 1-2 days
App only Wal-mart and C-store
Up to 84 months 1 Pg application 1-2 days
kiosks, Non trad sites
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

Available in US only JenCas Financial, Inc


Loan Amount Based on Value Terms Application Process

1 Pg app
Acquisition Financing 24-84 Months
Up to 100% 1-2 day turnaround
New Store 24-84 Months 1 Pg app
Up to 100%
Development 1-2 day turnaround

Equipment Financing 24-84 Months 1 Pg app


Up to 100%
1-2 day turnaround
Special programs include: Wal-
Other Special Mart locations, c-store locations, 1 Pg app
Programs remodels, relocations, working 24- 84 Months 1-2 day turnaround
capital loans and many more.
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 Application Process

Acquisition Financing
24-48 Hours
Up to 100% 12-120 Months

New Store Development


Up to 100% 12-120 Months 24-48 Hours

Equipment Financing
Up to 125% 12-84 Months 24-48 Hours

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 Capital’s 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 offer’s 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 800-
994-4942, www.captivecorp.com

Available in US only Captive Capital


Loan Amount Based on Value Terms Application Process
Up to 84 Months 1 Pg app
Acquisition Financing Up to 80% 7 day turnaround

Up to 84 Months 1 Pg app
New Store Development Up to 100% 7 day turnaround

Up to 72 Months 1 Pg app
Equipment Financing Up to 100% 1-3 day turnaround

Several programs including remodels,


refinance, with flexible and custom plans
Other Special Programs 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
nation’s 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 it’s 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 Application Process


Terms
Value
Up to 84 Months 1 Pg app and 2 yrs biz/pers financials
Acquisition Financing Up to 100%
Up to 200% of equipment
Up to 84 Months
New Store cost includes delivery and 1 Pg app and 2 yrs biz/pers financial
Development install

Up to 135% of equipment Up to 84 Months 1 Pg App to 75k 2yrs biz/pers financials over


Equipment Financing cost includes delivery and 75k
install
Step up/down payment
structures 90 day
deferred payments
Equipment only turn around typically 1 day
Other Special Wal-Mart/C-stores and Up to 84 Months
financial turnaround typically 2-5 days from
Non-trad sites. Partner on all programs
Programs receipt of complete package
buyouts, loan
consolidations
(with new equipment).
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