SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Frullati Cafe & Bakery franchise in Texas: what the public record shows
Franchisees of Frullati Cafe & Bakery in Texas have taken 16 SBA loans in the FY1991–present FOIA files (average $147,812). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Frullati Cafe & Bakery's national ratio is 1.3× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 9 franchised outlets in Texas (fiscal 2018) — about 0.03 per 100k residents.
Loans in TX
16
Charged off (all years)
4 of 15
Loss ratio in TX
—
Loss ratio nationally (not clear)
1.3×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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.
Businesses in this industry
52,545
statewide, all operators
Per 100k residents
167.9
national 179.9
Versus the country
-7%
thinner
Every business in Frullati Cafe & Bakery's industry operating in Texas — 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.
Avg weekly wage, this industry
$496
Texas, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-8%
cheaper to staff
What Frullati Cafe & Bakery's industry actually pays workers in Texas, 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2016 | 8 | 0 |
| 2017 | 8 | 0 |
| 2018 | 9 | 0 |
| System | Loans in TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| Subway | 370 | 27 of 299 | 0.5× | 1,747 |
| Quiznos | 345 | 76 of 306 | 1.2×NOT CLEAR | — |
| Smoothie King | 200 | 19 of 137 | 0.9×NOT CLEAR | — |
| Wingstop | 166 | 4 of 148 | 0.1× | 428 |
| Schlotzsky'S | 161 | 19 of 130 | 1.0×NOT CLEAR | — |
| Chicken Express | 144 | 1 of 92 | 0.07× | — |
| Cicis Pizza | 140 | 18 of 125 | 0.9×NOT CLEAR | — |
| DAIRY QUEEN | 122 | 13 of 90 | 0.9×NOT CLEAR | — |
| Dickey'S Barbeque | 111 | 25 of 91 | 1.6× | — |
| Marco's Pizza | 103 | 2 of 53 | 0.4×NOT CLEAR | — |
| Bahama Buck's | 101 | 13 of 58 | 1.8× | — |
| MARBLE SLAB CREAMERY | 95 | 16 of 79 | 1.1×NOT CLEAR | — |
Other systems in Frullati Cafe & Bakery's sector whose franchisees borrowed in Texas. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
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 Frullati Cafe & Bakery’s numbers, including talking you out of a bad deal.