SBA 7(a)/504 FOIA · FY1991–PRESENT · VIRGINIA
Firehouse Subs franchise in Virginia: what the public record shows
Franchisees of Firehouse Subs in Virginia have taken 31 SBA loans since 1991 (average $269,358), and of the 19 loans whose story has ended, 5.3% 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 57 franchised outlets in Virginia (fiscal 2017) — about 0.65 per 100k residents.
Loans in VA
31
Resolved
19
Local charge-off
5.3%
National charge-off
11.1%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = VA. 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 | 57 | — |
| 2016 | 57 | — |
| 2017 | 57 | — |
| System | Loans in VA | Local charge-off | Units in VA |
|---|---|---|---|
| Subway | 90 | 0.0% | 547 |
| DAIRY QUEEN | 38 | 24.0% | — |
| Fastsigns | 17 | 15.4% | — |
| CERTA PROPAINTERS | 14 | thin | 17 |
| EDIBLE ARRANGEMENTS | 14 | 30.0% | 26 |
| MASSAGE ENVY | 14 | 10.0% | 37 |
| Rainbow Restoration | 14 | thin | — |
| HOTWORX | 12 | thin | 13 |
| Matco Tools | 12 | 10.0% | — |
| Plato'S Closet | 12 | thin | — |
| Home Instead | 11 | thin | 15 |
| SERVICEMASTER RESTORE | 11 | thin | 50 |
Same sector, same state, same public records — how Firehouse Subs compares to the systems a buyer in Virginia would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
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