Commercial Real Estate - Franchise (Owner Occupied) Seeking Financing

[Cory St. Esprit]

I am a franchisee with Subway. I currently own 30 units and we do about $15M a year. I am adding about 20 more this year, but there's one small pocket I'm struggling with the financing on (honestly, due to Huntington Bank dragging their feet on items, etc.), so I'm seeing what other options there may be. 

It's a 3 restaurant package in West Virginia (where we already have a base) and includes 1 piece of real estate. EBITDA on the 3 franchises is about $374,000. I've got signed deal with Seller for $250,000, which includes the 3 franchises AND the real estate for 1 of the units. Need about $125,000 in CAPEX between the units to bring them up to current Subway image.

Typically, a Subway will go for 3.25x EBITDA. I just happen to have found a really good deal at a really good time. I've been doing this 20 years, so know how to operate these. Anyone have insight on lending options out there? Seller doesn't care how we split the real estate vs. the franchise, but I don't think I could get $250,000 for the real estate. Is there a commercial DSCR option?