SBA 7(a)/504 FOIA · FY1991–PRESENT · NORTH CAROLINA
BRUEGGER'S franchise in North Carolina: what the public record shows
Franchisees of BRUEGGER'S in North Carolina have taken 5 SBA loans since 1991 (average $491,000)— 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 13.3% is the better guide. Its latest FDD Item 20 state table reports 6 franchised outlets in North Carolina (fiscal 2025) — about 0.05 per 100k residents.
Loans in NC
5
Resolved
4
Local charge-off
thin
National charge-off
13.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NC. 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
19,235
statewide, all operators
Per 100k residents
174.1
national 179.9
Versus the country
-3%
thinner
Every business in BRUEGGER'S's industry operating in North Carolina — 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
$469
North Carolina, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-13%
cheaper to staff
What BRUEGGER'S's industry actually pays workers in North Carolina, 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 |
|---|---|---|
| 2023 | 6 | 15 |
| 2023 | 6 | 15 |
| 2024 | 6 | 14 |
| 2024 | 6 | 14 |
| 2025 | 6 | 14 |
| 2025 | 6 | 14 |
| System | Loans in NC | Local charge-off | Units in NC |
|---|---|---|---|
| Quiznos | 61 | 16.1% | — |
| Zaxby's | 54 | 10.3% | — |
| Domino's Pizza | 34 | 0.0% | — |
| Dunkin Donuts/Baskin-Robbins Co-Brand | 33 | 6.9% | — |
| Firehouse Subs | 30 | 4.3% | 64 |
| Tropical Smoothie Cafe | 30 | 0.0% | 81 |
| Culver's | 28 | thin | — |
| Cicis Pizza | 27 | 14.8% | — |
| Jimmy John's | 27 | 5.3% | — |
| Golden Corral | 26 | 18.8% | — |
| Cold Stone Creamery | 25 | 41.2% | — |
| Marco's Pizza | 23 | 0.0% | — |
Same sector, same state, same public records — how BRUEGGER'S compares to the systems a buyer in North Carolina 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 BRUEGGER'S's numbers, including talking you out of a bad deal.