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 in the FY1991–present FOIA files (average $491,000). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. BRUEGGER'S has too few seasoned resolved loans nationally for a national ratio. 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
Charged off (all years)
0 of 4
Loss ratio in NC
—
Loss ratio nationally
—
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NC. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 6 | 15 |
| 2023 | 6 | 15 |
| 2024 | 6 | 14 |
| 2024 | 6 | 14 |
| 2025 | 6 | 14 |
| 2025 | 6 | 14 |
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 BRUEGGER'S numbers, including talking you out of a bad deal.