SBA 7(a)/504 FOIA · FY1991–PRESENT · KENTUCKY
Firehouse Subs franchise in Kentucky: what the public record shows
Franchisees of Firehouse Subs in Kentucky have taken 18 SBA loans since 1991 (average $274,983)— 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 11.1% is the better guide. Its latest FDD Item 20 state table reports 16 franchised outlets in Kentucky (fiscal 2017) — about 0.35 per 100k residents.
Loans in KY
18
Resolved
9
Local charge-off
thin
National charge-off
11.1%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = KY. 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 |
|---|---|---|
| 2015 | 17 | — |
| 2016 | 18 | — |
| 2017 | 16 | — |
| System | Loans in KY | Local charge-off | Units in KY |
|---|---|---|---|
| Subway | 145 | 6.7% | 343 |
| DAIRY QUEEN | 27 | 10.0% | — |
| Minuteman Press | 15 | 18.2% | — |
| Radioshack | 13 | 7.7% | — |
| Buffalo Wings & Rings | 10 | thin | — |
| Allstate Insurance | 9 | thin | — |
| Home Instead | 8 | thin | 9 |
| Shoney'S Restaurant | 8 | thin | — |
| BEEF O' BRADY'S FAMILY SPORTS PUBS | 7 | thin | 4 |
| Budget Blinds | 7 | thin | — |
| redbox+ | 7 | thin | — |
| SERVICEMASTER RESTORE | 7 | thin | 22 |
Same sector, same state, same public records — how Firehouse Subs compares to the systems a buyer in Kentucky would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
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