SBA 7(a)/504 FOIA · FY1991–PRESENT · IDAHO
Culligan franchise in Idaho: what the public record shows
Franchisees of Culligan in Idaho have taken 5 SBA loans since 1991 (average $86,520)— 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 7 franchised outlets in Idaho (fiscal 2025) — about 0.35 per 100k residents.
Loans in ID
5
Resolved
4
Local charge-off
thin
National charge-off
0.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = ID. 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 | 8 | — |
| 2024 | 7 | — |
| 2025 | 7 | — |
| System | Loans in ID | Local charge-off | Units in ID |
|---|---|---|---|
| Subway | 51 | 2.4% | 110 |
| BIG O TIRES | 19 | 16.7% | 7 |
| DAIRY QUEEN | 15 | thin | — |
| Blimpie | 13 | 10.0% | — |
| SERVICEMASTER RESTORE | 8 | thin | 13 |
| A&W | 7 | thin | 8 |
| ALPHAGRAPHICS | 6 | thin | 4 |
| CRUMBL | 6 | thin | 11 |
| PITA PIT | 6 | thin | 6 |
| JERSEY MIKE'S | 5 | thin | 18 |
Same sector, same state, same public records — how Culligan compares to the systems a buyer in Idaho 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 Culligan's numbers, including talking you out of a bad deal.