Erbert & Gerbert's Subs & Club
The total investment to open a Erbert & Gerbert's Subs & Club franchise ranges from $50,620 to $303,930. The initial franchise fee is $50,620.
What is the Erbert & Gerbert's Subs & Club franchise?
Erbert Gerberts Subs Club was built around the idea of improving the everyday sandwich experience by turning a quick meal into a satisfying food occasion. The brand centers on distinctive subs, varied flavor profiles, and fresh ingredients. It currently has 39 total units, including 26 franchised units and zero company owned locations. Its headquarters are in MINNEAPOLIS, MN. Erbert Gerberts Subs Club operates in the Limited Service Restaurants category, which represents a total addressable U.S. market that consistently exceeds $350 billion annually. The fast casual segment, where premium sub shops often compete, has experienced 8% year over year growth in recent periods. The brand seeks customers who want speed and quality in the same meal, an important distinction in food service.
Limited Service Restaurants also represent a large global market. The sector is projected to exceed $850 billion in market value by 2025 and is expected to expand at a compound annual growth rate of approximately 5.5% over the next five years. Several consumer patterns support this category. Busy lifestyles continue to create demand for quick and accessible meals that maintain acceptable quality and taste. Customers are also showing greater interest in fresher and healthier choices, premium ingredients, customization, and clear preparation practices rather than traditional fast food alone. Digital ordering and third party delivery platforms have widened access to limited service concepts, increased transaction volume, and helped raise average ticket sizes. These conditions support franchise models with recognized brands, established supply systems, and operating guidance. The quick service restaurant model can also be scaled with less operating complexity than a full service restaurant. Competition in the sandwich segment remains intense, but demand for variety and new products gives brands room to compete through product quality, distinctive offerings, and customer experience.
The Erbert Gerberts Subs Club franchise fee is $50,620. Within the Limited Service Restaurants category, franchise fees for established brands commonly range from $25,000 to $75,000. The total initial investment for an Erbert Gerberts Subs Club unit ranges from $50,620 to $303,930. This amount can include leasehold improvements, construction, kitchen equipment, signage, opening food and supply inventory, working capital, launch expenses, and employee training. Actual construction needs may vary according to the selected site and the condition of its existing infrastructure. The low end of the investment range matches the franchise fee and may reflect conversion opportunities or a highly optimized smaller footprint. The upper end may apply to ground up construction or a more extensive build out in a prime location. Buyers should also account for recurring expenses such as rent, utilities, labor, and food costs after opening. The franchise fee and total investment are separate considerations, with the fee representing the amount paid for the franchise rights and the broader investment covering the cost of opening and operating the unit.
An Erbert Gerberts Subs Club unit is designed around efficient and consistent limited service operations. Daily work includes preparing fresh ingredients, assembling the brand’s subs, and providing prompt and friendly service. Franchisees oversee inventory, food safety, quality standards, and restaurant employees. A typical unit may include a general manager, several shift supervisors, and hourly employees responsible for food preparation, order taking, and general maintenance. Staffing levels can change based on sales volume, operating hours, and whether the restaurant includes dining, takeout, or drive through service. The investment range indicates that the concept may work in different footprints, including compact urban storefronts and larger suburban sites with additional seating or possible drive through capacity.
Training is a central part of franchise support. Initial training is expected to cover operating procedures, food preparation, point of sale system use, marketing, and customer service. Continuing corporate support may include supply chain coordination for consistent ingredient access, regional and national marketing programs, ordering technology, loyalty programs, field visits, and performance reviews. These resources are intended to help franchisees maintain the brand’s operating and service standards. Franchise territories are generally structured around a defined operating area intended to reduce internal competition and support market development within the assigned zone. The brand has not stated specific multi unit requirements, but its franchise focused growth approach may allow a successful single unit operator to add locations over time.
Buyers therefore need to view the brand within the broader economics of Limited Service Restaurants and the sandwich segment. Results depend heavily on labor management, food cost control, purchasing decisions, customer engagement, location, operating efficiency, and local market conditions. The broader quick service restaurant industry continues to benefit from year over year revenue increases and a growing consumer base. The $350 billion U.S. quick service restaurant market reflects continued demand for convenient, quality food, but success for an individual unit depends on execution and adaptation to its market.
Erbert Gerberts Subs Club currently has 39 total units, including 26 franchised units, which points to a measured expansion phase rather than a rapid national rollout. Because all 26 franchised units operate without company owned locations, the brand uses a pure play franchising model in which growth depends on its franchisee network. The brand has a Loan Activity Score of 27, classified as Limited. That score is consistent with a controlled expansion approach and may allow attention to site selection, franchisee training, and sustainable development at each location. Current priorities may include refining menu offerings, improving the customer experience through technology, and increasing supply chain efficiency as the system grows. The brand’s competitive position may come from distinctive subs, unusual flavor combinations, and quality ingredients. Operating consistency and local marketing can add support. Online ordering, mobile applications, and third party delivery integration are also relevant as consumers increasingly use digital channels.
A suitable Erbert Gerberts Subs Club franchisee generally brings entrepreneurial initiative, sound operating ability, and a strong service orientation. Candidates should have the financial stability and access to capital needed for the initial investment range of $50,620 to $303,930. Food service experience, especially in quick service or fast casual operations, can be useful, although the training program is intended to support people from different professional backgrounds. Interest in the Erbert Gerberts Subs Club brand and its product offering, along with active local marketing and community involvement, can also matter. With 39 total units and 26 franchised units, the concept may suit a first time owner pursuing one location or an experienced operator adding a brand to an existing portfolio. Territories may be selected to improve market coverage and visibility, including underserved areas and high traffic sites in established markets, particularly near the MINNEAPOLIS, MN headquarters. The period from franchise agreement signing to grand opening typically ranges from six to twelve months. That period can include site selection, lease negotiation, construction or build out, equipment installation, and training. Initial quick service restaurant franchise agreement terms commonly range from 10 to 20 years, with renewal options.
Loan Activity Score
27/100
SBA Default Rate
12.1%
Active Lenders
19
According to its Franchise Disclosure Document or public business records, Erbert & Gerbert's Subs & Club has 41 locations, all owned by franchisees. Public SBA loan records show 19 lenders made 33 loans to franchisees of Erbert & Gerbert's Subs & Club. PeerSense calculates Erbert & Gerbert's Subs & Club's score as 27 out of 100, using public SBA loan performance and recent lending activity.
41 locations
$50,620 to $303,930
$50,620
41
41 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Erbert & Gerbert's Subs & Club
33
Total SBA loans
$140K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Erbert & Gerbert's Subs & Club
Loan Activity Score Breakdown
Established (25 to 99 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
12.1%
vs 10.3% peer avg
SBA Loans
33
Total Volume
$4.6M
Active Lenders
19
2 selective
States
6
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Erbert & Gerbert's Subs & Club based on SBA lending data
SBA Default Rate
12.1%
1.8% above peer avg
SBA Loan Volume
33 loans
Across 19 lenders
Lender Diversity
19 lenders
Avg 1.7 loans per lender
Investment Tier
Mid range investment
$50,620 to $303,930 total
Erbert & Gerbert's Subs & Club: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2016
7 approvals. The best year on record for Erbert & Gerbert's Subs & Club.
Top SBA State
Minnesota
23 SBA financed Erbert & Gerbert's Subs & Club locations, the densest operator footprint.
Average Loan Size
$155K
Median $140K. Use as a sizing anchor when modeling your own Erbert & Gerbert's Subs & Club unit.
Lender Concentration
26.9%
Moderately Spread
Share of Erbert & Gerbert's Subs & Club approvals captured by the top 3 SBA lenders.
Erbert & Gerbert's Subs & Club's SBA lending pipeline peaked in 2016 (7 approvals). Operator density is highest in Minnesota with 23 SBA financed locations. Average funded ticket sits at $155K, with the median at $140K. Lender mix is moderately spread: the top three SBA lenders account for 26.9% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$524
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Erbert & Gerbert's Subs & Club, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
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