SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Hardee's franchise in Georgia: what the public record shows
Franchisees of Hardee's in Georgia have taken 8 SBA loans since 1991 (average $560,375)— 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 22.9% is the better guide. Its latest FDD Item 20 state table reports 74 franchised outlets in Georgia (fiscal 2026) — about 0.66 per 100k residents.
Loans in GA
8
Resolved
8
Local charge-off
thin
National charge-off
22.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. 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 |
|---|---|---|
| 2023 | 114 | 3 |
| 2024 | 80 | 14 |
| 2024 | 80 | 14 |
| 2024 | 80 | 14 |
| 2025 | 78 | 14 |
| 2025 | 78 | 14 |
| 2025 | 78 | 14 |
| 2026 | 74 | 13 |
| 2026 | 74 | 13 |
| System | Loans in GA | Local charge-off | Units in GA |
|---|---|---|---|
| Subway | 119 | 5.9% | 634 |
| DAIRY QUEEN | 89 | 7.7% | — |
| QUALITY INN | 88 | 6.7% | 98 |
| ECONO LODGE | 61 | 9.1% | 51 |
| Blimpie | 49 | 20.9% | — |
| Matco Tools | 33 | 16.1% | — |
| SLEEP INN | 32 | 20.0% | 22 |
| HOTWORX | 31 | 0.0% | 34 |
| JERSEY MIKE'S | 29 | 17.6% | 132 |
| EDIBLE ARRANGEMENTS | 22 | 6.3% | 31 |
| Country Inn | 21 | thin | 36 |
| Fastsigns | 21 | 23.1% | — |
Same sector, same state, same public records — how Hardee's compares to the systems a buyer in Georgia 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. I'm paid by you — and the job is pressure-testing Hardee's's numbers, including talking you out of a bad deal.