SBA 7(a)/504 FOIA · FY1991–PRESENT · KENTUCKY
Country Hearth Inn franchise in Kentucky: what the public record shows
Franchisees of Country Hearth Inn in Kentucky have taken 7 SBA loans in the FY1991–present FOIA files (average $903,014). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Country Hearth Inn's national ratio is 1.5× (not clearly different from 1.0×).
Loans in KY
7
Charged off (all years)
1 of 7
Loss ratio in KY
—
Loss ratio nationally (not clear)
1.5×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = KY. 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 KY | Charged off (all years) | Loss ratio in KY | Units in KY |
|---|---|---|---|---|
| Super 8 | 26 | 2 of 20 | — | — |
| Days Inn | 24 | 4 of 18 | — | — |
| ECONO LODGE | 19 | 0 of 10 | — | 14 |
| Holiday Inn Express | 15 | 3 of 8 | — | — |
| QUALITY INN | 14 | 2 of 6 | — | 35 |
| Red Roof Inn | 13 | 0 of 7 | — | — |
| Best Western Inn | 12 | 1 of 6 | — | — |
| Motel 6 | 11 | 0 of 5 | — | — |
| Comfort Inn | 9 | 1 of 6 | — | — |
| Ramada Inn | 9 | 0 of 5 | — | — |
| Howard Johnson | 8 | 0 of 8 | — | — |
| Holiday Inn | 7 | 2 of 5 | — | — |
Other systems in Country Hearth Inn's sector whose franchisees borrowed in Kentucky. 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 Country Hearth Inn’s numbers, including talking you out of a bad deal.