FRANCHISE·WATCH·DESK

SBA 7(a)/504 FOIA · FY1991–PRESENT · OHIO

Dunkin Donuts/Baskin-Robbins Co-Brand franchise in Ohio: what the public record shows

Franchisees of Dunkin Donuts/Baskin-Robbins Co-Brand in Ohio have taken 7 SBA loans in the FY1991–present FOIA files (average $1,522,028). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Dunkin Donuts/Baskin-Robbins Co-Brand's national ratio is 0.2× (not clearly different from 1.0×).

SBA loan outcomes · Ohiovs same-year franchise loans

Loans in OH

7

Charged off (all years)

0 of 3

Loss ratio in OH

—

Loss ratio nationally (not clear)

0.2×

Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OH. 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.

Market density · Ohio vs nationalTypical density

Businesses in this industry

20,528

statewide, all operators

Per 100k residents

172.7

national 179.9

Versus the country

-4%

thinner

Every business in Dunkin Donuts/Baskin-Robbins Co-Brand's industry operating in Ohio — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.

Labor cost · Ohio vs nationalBelow-average wages

Avg weekly wage, this industry

$443

Ohio, BLS QCEW 2025

National average

$537

same industry, all states

Versus the country

-18%

cheaper to staff

What Dunkin Donuts/Baskin-Robbins Co-Brand's industry actually pays workers in Ohio, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.

Same-sector systems with SBA loan history in Ohio12 systems
SystemLoans in OHCharged off (all years)Loss ratio in OHUnits in OH
Subway3538 of 2600.2×865
DAIRY QUEEN1569 of 1090.5×—
Quiznos9923 of 921.1×NOT CLEAR—
Domino's Pizza755 of 610.5×NOT CLEAR—
Jimmy John's735 of 521.0×NOT CLEAR—
East of Chicago Pizza7010 of 521.0×NOT CLEAR—
Cold Stone Creamery587 of 411.0×NOT CLEAR—
Biggby Coffee530 of 23——
JERSEY MIKE'S490 of 370×129
Dunkin'477 of 341.3×NOT CLEAR—
Little Caesars422 of 28——
Mr. Hero Sandwich Shop381 of 340.2×—

Other systems in Dunkin Donuts/Baskin-Robbins Co-Brand's sector whose franchisees borrowed in Ohio. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.

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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 Dunkin Donuts/Baskin-Robbins Co-Brand’s numbers, including talking you out of a bad deal.

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