SBA 7(a)/504 FOIA · FY1991–PRESENT · ALABAMA
Country Inn franchise in Alabama: what the public record shows
Franchisees of Country Inn in Alabama have taken 8 SBA loans in the FY1991–present FOIA files (average $2,008,250). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Country Inn's national ratio is 0.8× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 4 franchised outlets in Alabama (fiscal 2025) — about 0.08 per 100k residents.
Loans in AL
8
Charged off (all years)
1 of 4
Loss ratio in AL
—
Loss ratio nationally (not clear)
0.8×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AL. 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 | 4 | — |
| 2023 | 4 | — |
| 2024 | 4 | — |
| 2024 | 4 | — |
| 2025 | 4 | — |
| 2025 | 4 | — |
| System | Loans in AL | Charged off (all years) | Loss ratio in AL | Units in AL |
|---|---|---|---|---|
| Days Inn | 54 | 5 of 42 | 0.8×NOT CLEAR | — |
| QUALITY INN | 34 | 1 of 17 | — | 43 |
| Comfort Inn | 32 | 5 of 24 | — | — |
| Best Western Inn | 30 | 4 of 21 | — | — |
| Super 8 | 28 | 1 of 18 | — | — |
| Hampton Inns | 27 | 0 of 20 | — | — |
| Holiday Inn Express | 22 | 1 of 11 | — | — |
| Choice Hotels International | 21 | 5 of 17 | — | — |
| ECONO LODGE | 21 | 1 of 14 | — | 24 |
| Motel 6 | 18 | 1 of 9 | — | — |
| La Quinta Inn | 14 | 2 of 7 | — | — |
| Red Roof Inn | 14 | 1 of 7 | — | — |
Other systems in Country Inn's sector whose franchisees borrowed in Alabama. 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 Inn’s numbers, including talking you out of a bad deal.