SBA 7(a)/504 FOIA · FY1991–PRESENT · UTAH
KOA franchise in Utah: what the public record shows
Franchisees of KOA in Utah have taken 9 SBA loans in the FY1991–present FOIA files (average $1,002,277). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. KOA's national ratio is 0.2×. Its latest FDD Item 20 state table reports 12 franchised outlets in Utah (fiscal 2025) — about 0.34 per 100k residents.
Loans in UT
9
Charged off (all years)
0 of 5
Loss ratio in UT
—
Loss ratio nationally
0.2×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = UT. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 12 | 3 |
| 2024 | 12 | 3 |
| 2025 | 12 | 3 |
| System | Loans in UT | Charged off (all years) | Loss ratio in UT | Units in UT |
|---|---|---|---|---|
| Best Western Inn | 23 | 0 of 10 | — | — |
| Days Inn | 21 | 0 of 15 | — | — |
| Comfort Inn | 14 | 1 of 6 | — | — |
| Hampton Inns | 13 | 0 of 7 | — | — |
| Super 8 | 12 | 0 of 10 | — | — |
| ECONO LODGE | 11 | 0 of 5 | — | 6 |
| Holiday Inn Express | 11 | 1 of 5 | — | — |
| QUALITY INN | 11 | 0 of 6 | — | 22 |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 7 | 0 of 6 | — | — |
| Fairfield Inn | 7 | 0 of 4 | — | — |
| La Quinta Inn | 7 | 0 of 5 | — | — |
| Motel 6 | 6 | 0 of 5 | — | — |
Other systems in KOA's sector whose franchisees borrowed in Utah. 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 KOA’s numbers, including talking you out of a bad deal.