SBA 7(a)/504 FOIA · FY1991–PRESENT · MINNESOTA
Americinn franchise in Minnesota: what the public record shows
Franchisees of Americinn in Minnesota have taken 75 SBA loans in the FY1991–present FOIA files (average $946,924). Those approved through FY2020 defaulted less often than franchise loans made in the same years nationally: 3 charge-offs among 53 resolved loans, where about 8.9 would be expected (0.3×). Americinn's national ratio is 0.7× (not clearly different from 1.0×).
Loans in MN
75
Charged off (all years)
3 of 55
Loss ratio in MN
0.3×
Loss ratio nationally (not clear)
0.7×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MN. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
| System | Loans in MN | Charged off (all years) | Loss ratio in MN | Units in MN |
|---|---|---|---|---|
| Super 8 | 70 | 13 of 58 | 1.2×NOT CLEAR | — |
| Days Inn | 33 | 5 of 22 | — | — |
| Best Western Inn | 21 | 0 of 14 | — | — |
| Comfort Inn | 17 | 0 of 13 | — | — |
| Country Inn | 13 | 1 of 8 | — | 31 |
| ECONO LODGE | 13 | 1 of 11 | — | 6 |
| Holiday Inn Express | 11 | 0 of 8 | — | — |
| QUALITY INN | 9 | 1 of 2 | — | 22 |
| Americas Best Value Inn | 7 | 0 of 4 | — | — |
| Holiday Inn | 7 | 0 of 4 | — | — |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 6 | 0 of 5 | — | — |
| RODEWAY INN | 6 | 0 of 4 | — | 5 |
Other systems in Americinn's sector whose franchisees borrowed in Minnesota. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Americinn’s numbers, including talking you out of a bad deal.