SBA 7(a)/504 FOIA · FY1991–PRESENT · ALABAMA
Days Inn franchise in Alabama: what the public record shows
Franchisees of Days Inn in Alabama have taken 54 SBA loans in the FY1991–present FOIA files (average $975,282). Those approved through FY2020 defaulted at a rate not clearly different from franchise loans made in the same years nationally: 5 charge-offs among 38 resolved loans, where about 6.6 would be expected (0.8×). Days Inn's national ratio is 0.9×.
Loans in AL
54
Charged off (all years)
5 of 42
Loss ratio in AL (not clear)
0.8×
Loss ratio nationally
0.9×
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.
| System | Loans in AL | Charged off (all years) | Loss ratio in AL | Units in AL |
|---|---|---|---|---|
| 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 | — | — |
| Ramada Inn | 10 | 2 of 6 | — | — |
Other systems in Days 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 Days Inn’s numbers, including talking you out of a bad deal.