How do I submit an application?

Click on Applications and download our one-page application. If you are at least two years in business and requesting $150,000 or less, simply complete our secure online application.

What upfront fees will I be charged?

There is absolutely no cost for processing the application.  

How long does it take for a credit decision?

Most applications only take a couple of hours to review. Larger loan requests average three business days.

What length of terms are available?

Financing is available from 24 to 84 months.

What is the interest rate?

JenCas Financial offers some of the lowest rates in commercial lending. Many factors go into determining rate.  Contact us today to discuss your specific situation.

What type of collateral is required?

Financing is secured by business assets.  We never require you to pledge real estate or any other personal assets as collateral.


I would recommend JenCas Financial Inc as a lending resource for Subway franchisees. I have worked with JenCas to fund multiple Subway stores that myself and two partners own and have had good experiences with the company’s representatives to complete the financial procedures. I would encourage future and existing franchisees to work with JenCas Financial for their lending needs.

Tim – Subway Development Office CFO
It has been my pleasure working with JenCas Financial over the last year. They have taken care of one acquisition of an existing location and provided a loan for my new pizza franchise. In both circumstances, my representative was so thorough, helpful and punctual. I have worked with other lenders in the past and never has a company been so on top of things and friendly. It is my pleasure to recommend JenCas Financial to others in need of financing.

Tracy – Multi-Unit Franchise Owner
I have been working with JenCas Financial since my first Subway franchise. They have helped me finance three Subways total. I’ve worked exclusively with JenCas Financial acquiring these stores and can’t say enough good things about them. They are VERY fast with approval and always very courteous. I have had used my personal bank for business loans to my detriment. JenCas is by far the easiest avenue for first time or returning customers. I would recommend them every day of the week and twice on Sunday. If you don’t believe the testimonial, get my cell number from them and I will personally tell you about my experience with JenCas Financial.

Bob – Subway Restaurants – Dallas, TX
I would like to take this opportunity to share with you the experiences I have had with JenCas Financial Inc. JenCas has assisted with my two most recent business finance packages and have done a wonderful job of providing exemplary service. The application process is extremely simplified. After providing the requested information, we received an approval within a few short days. With the many facets of operating a new business, it is a pleasure to work with a team that provides such great service and results, allowing me to focus on the business itself. I would highly recommend anyone in the restaurant industry to choose JenCas Financial Inc for all financing needs. We certainly consider them an invaluable asset to our team.

Melanie – Moe’s Southwest Grill Franchisee
I would like to thank your team at JenCas Financial for professionally and successfully handling the loan for our two store acquisition. You have excellent employees and a strong team. At any given opportunity, you can certainly forward our reference to franchisees in need of financing. Thank you all once again, and we are hoping to continue doing business with JenCas Financial!

Sangeeta – Subway Franchisee