SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSISSIPPI
Marco's Pizza franchise in Mississippi: what the public record shows
Franchisees of Marco's Pizza in Mississippi have taken 5 SBA loans in the FY1991–present FOIA files (average $320,400). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Marco's Pizza's national ratio is 0.7×.
Loans in MS
5
Charged off (all years)
0 of 3
Loss ratio in MS
—
Loss ratio nationally
0.7×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MS. 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
4,811
statewide, all operators
Per 100k residents
163.5
national 179.9
Versus the country
-9%
thinner
Every business in Marco's Pizza's industry operating in Mississippi — 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
$387
Mississippi, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-28%
cheaper to staff
What Marco's Pizza's industry actually pays workers in Mississippi, 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.
| System | Loans in MS | Charged off (all years) | Loss ratio in MS | Units in MS |
|---|---|---|---|---|
| Subway | 52 | 2 of 38 | 0.3× | 261 |
| Fox'S Pizza Den | 13 | 1 of 8 | — | — |
| Domino's Pizza | 12 | 0 of 5 | — | — |
| DAIRY QUEEN | 11 | 2 of 9 | — | — |
| Little Caesars | 11 | 1 of 11 | — | — |
| Zaxby's | 11 | 0 of 3 | — | — |
| Pizza Inn | 10 | 2 of 6 | — | — |
| Quiznos | 8 | 2 of 5 | — | — |
| Smoothie King | 8 | 1 of 6 | — | — |
| TCBY | 8 | 5 of 8 | — | — |
| Dickey'S Barbeque | 6 | 0 of 5 | — | — |
| Papa Johns | 6 | 1 of 4 | — | — |
Other systems in Marco's Pizza's sector whose franchisees borrowed in Mississippi. 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 Marco's Pizza’s numbers, including talking you out of a bad deal.