SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Jimmy John's franchise in Georgia: what the public record shows
Franchisees of Jimmy John's in Georgia have taken 54 SBA loans since 1991 (average $397,122), and of the 40 loans whose story has ended, 0.0% were charged off — versus 5.8% for Jimmy John's nationally and 14.8% across all rateable franchise brands.
Loans in GA
54
Resolved
40
Local charge-off
0.0%
National charge-off
5.8%
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.
Businesses in this industry
19,682
statewide, all operators
Per 100k residents
176
national 179.9
Versus the country
-2%
thinner
Every business in Jimmy John's's industry operating in Georgia — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in GA | Local charge-off | Units in GA |
|---|---|---|---|
| Dunkin Donuts/Baskin-Robbins Co-Brand | 91 | 12.5% | — |
| Zaxby's | 86 | 1.8% | — |
| Marco's Pizza | 73 | 4.2% | — |
| Smoothie King (Health Food Store) | 72 | 14.0% | — |
| Quiznos | 71 | 33.3% | — |
| Bruster'S | 64 | 9.8% | — |
| Mellow Mushroom | 54 | 5.9% | — |
| Blimpie | 49 | 20.9% | — |
| Philly Connection | 45 | 37.5% | — |
| Atlanta Bread | 39 | 33.3% | — |
| HUDDLE HOUSE | 39 | 25.7% | — |
| Cicis Pizza | 37 | 17.6% | — |
Same sector, same state, same public records — how Jimmy John'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. An independent CPA is paid by you — and the job is pressure-testing Jimmy John's's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →