SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
Firehouse Subs franchise in Arizona: what the public record shows
Franchisees of Firehouse Subs in Arizona have taken 20 SBA loans since 1991 (average $496,520), and of the 10 loans whose story has ended, 10.0% were charged off — versus 11.1% for Firehouse Subs nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 40 franchised outlets in Arizona (fiscal 2017) — about 0.53 per 100k residents.
Loans in AZ
20
Resolved
10
Local charge-off
10.0%
National charge-off
11.1%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AZ. 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 |
|---|---|---|
| 2015 | 34 | — |
| 2016 | 40 | — |
| 2017 | 40 | — |
| System | Loans in AZ | Local charge-off | Units in AZ |
|---|---|---|---|
| DAIRY QUEEN | 79 | 9.8% | — |
| BIG O TIRES | 76 | 12.3% | 74 |
| Subway | 68 | 3.3% | 355 |
| Home Instead | 21 | 6.3% | 13 |
| Matco Tools | 21 | 35.0% | — |
| Alphagraphics, Printshops of the Futu | 19 | 31.3% | — |
| POSTNET | 19 | 11.1% | 13 |
| SERVICEMASTER RESTORE | 16 | thin | 27 |
| Allstate Insurance | 14 | 0.0% | — |
| RODEWAY INN | 14 | thin | 14 |
| Minuteman Press | 12 | thin | — |
| Signarama | 10 | thin | — |
Same sector, same state, same public records — how Firehouse Subs compares to the systems a buyer in Arizona 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 Firehouse Subs's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →