SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
HomeSmart franchise in Arizona: what the public record shows
Franchisees of HomeSmart in Arizona have taken 7 SBA loans since 1991 (average $522,842)— 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 0.0% is the better guide. Its latest FDD Item 20 state table reports 13 franchised outlets in Arizona (fiscal 2020) — about 0.17 per 100k residents.
Loans in AZ
7
Resolved
5
Local charge-off
thin
National charge-off
0.0%
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 of 30 loans.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2018 | 13 | 22 |
| 2019 | 13 | 22 |
| 2020 | 13 | 19 |
| 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 |
| QUALITY INN | 25 | 6.3% | 16 |
| Home Instead | 21 | 6.3% | 13 |
| Matco Tools | 21 | 35.0% | — |
| ALPHAGRAPHICS | 19 | 31.3% | 14 |
| POSTNET | 19 | 11.1% | 13 |
| ROBEKS | 18 | 27.3% | 14 |
| ECONO LODGE | 16 | 9.1% | 6 |
| SERVICEMASTER RESTORE | 16 | thin | 27 |
| RODEWAY INN | 14 | thin | 14 |
Same sector, same state, same public records — how HomeSmart 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. I'm paid by you — and the job is pressure-testing HomeSmart's numbers, including talking you out of a bad deal.