SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW YORK
EDIBLE ARRANGEMENTS franchise in New York: what the public record shows
Franchisees of EDIBLE ARRANGEMENTS in New York have taken 33 SBA loans since 1991 (average $240,521), and of the 25 loans whose story has ended, 8.0% were charged off — versus 14.7% for EDIBLE ARRANGEMENTS nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 67 franchised outlets in New York (fiscal 2025) — about 0.34 per 100k residents.
Loans in NY
33
Resolved
25
Local charge-off
8.0%
National charge-off
14.7%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NY. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 79 | — |
| 2024 | 71 | — |
| 2025 | 67 | — |
| System | Loans in NY | Local charge-off | Units in NY |
|---|---|---|---|
| Subway | 378 | 12.1% | 664 |
| Matco Tools | 22 | 22.7% | — |
| DAIRY QUEEN | 20 | 33.3% | — |
| Allstate Insurance | 19 | 0.0% | — |
| MASSAGE ENVY | 17 | 9.1% | 28 |
| Fastsigns | 12 | thin | — |
| HOTWORX | 12 | thin | 15 |
| Minuteman Press | 12 | thin | — |
| Wyndham | 12 | thin | 1 |
| Plato'S Closet | 11 | thin | — |
| Budget Blinds | 10 | thin | — |
| CERTA PROPAINTERS | 10 | thin | 12 |
Same sector, same state, same public records — how EDIBLE ARRANGEMENTS compares to the systems a buyer in New York 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. An independent CPA is paid by you — and the job is pressure-testing EDIBLE ARRANGEMENTS's numbers, including talking you out of a bad deal.
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