SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW YORK
AFC/AMERICAN FAMILY CARE franchise in New York: what the public record shows
Franchisees of AFC/AMERICAN FAMILY CARE in New York have taken 8 SBA loans since 1991 (average $913,837)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 3.6% is the better guide. Its latest FDD Item 20 state table reports 23 franchised outlets in New York (fiscal 2024) — about 0.12 per 100k residents.
Loans in NY
8
Resolved
1
Local charge-off
thin
National charge-off
3.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NY. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
Businesses in this industry
1,332
statewide, all operators
Per 100k residents
6.7
national 11.6
Versus the country
-42%
thinner
Every business in AFC/AMERICAN FAMILY CARE's industry operating in New York — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$705
New York, BLS QCEW 2025
National average
$806
same industry, all states
Versus the country
-13%
cheaper to staff
What AFC/AMERICAN FAMILY CARE's industry actually pays workers in New York, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal independent of the FDD — a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2022 | 18 | — |
| 2023 | 22 | — |
| 2024 | 23 | — |
| System | Loans in NY | Local charge-off | Units in NY |
|---|---|---|---|
| Pearle Vision | 11 | thin | — |
| General Nutrition Center | 8 | thin | — |
| Medicine Shoppe | 8 | thin | — |
| Doctors Express | 6 | thin | — |
Same sector, same state, same public records — how AFC/AMERICAN FAMILY CARE compares to the systems a buyer in New York would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing AFC/AMERICAN FAMILY CARE's numbers, including talking you out of a bad deal.