SBA 7(a)/504 FOIA · FY1991–PRESENT · ALABAMA
CRUMBL franchise in Alabama: what the public record shows
Franchisees of CRUMBL in Alabama have taken 7 SBA loans since 1991 (average $493,071)— 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 0.0% is the better guide. Its latest FDD Item 20 state table reports 19 franchised outlets in Alabama (fiscal 2025) — about 0.37 per 100k residents.
Loans in AL
7
Resolved
4
Local charge-off
thin
National charge-off
0.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AL. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 15 | — |
| 2024 | 18 | — |
| 2025 | 19 | — |
| System | Loans in AL | Local charge-off | Units in AL |
|---|---|---|---|
| Subway | 68 | 7.1% | 379 |
| DAIRY QUEEN | 36 | 23.1% | — |
| QUALITY INN | 34 | 5.9% | 43 |
| ECONO LODGE | 21 | 7.1% | 24 |
| Matco Tools | 13 | 50.0% | — |
| Blimpie | 10 | thin | — |
| BEEF O' BRADY'S FAMILY SPORTS PUBS | 9 | thin | 10 |
| HOTWORX | 9 | thin | 16 |
| JERSEY MIKE'S | 8 | thin | 38 |
| Bin There Dump That | 7 | thin | — |
| D-Bat | 7 | thin | 7 |
| Sport Clips | 6 | thin | 26 |
Same sector, same state, same public records — how CRUMBL compares to the systems a buyer in Alabama 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 CRUMBL's numbers, including talking you out of a bad deal.