SBA 7(a)/504 FOIA · FY1991–PRESENT · PENNSYLVANIA
Microtel franchise in Pennsylvania: what the public record shows
Franchisees of Microtel in Pennsylvania have taken 11 SBA loans in the FY1991–present FOIA files (average $2,327,854). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Microtel's national ratio is 1.2× (not clearly different from 1.0×).
Loans in PA
11
Charged off (all years)
1 of 7
Loss ratio in PA
—
Loss ratio nationally (not clear)
1.2×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PA. 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.
| System | Loans in PA | Charged off (all years) | Loss ratio in PA | Units in PA |
|---|---|---|---|---|
| Days Inn | 52 | 3 of 36 | 0.5×NOT CLEAR | — |
| Super 8 | 39 | 3 of 24 | — | — |
| QUALITY INN | 29 | 0 of 11 | — | 49 |
| Red Roof Inn | 28 | 0 of 10 | — | — |
| ECONO LODGE | 27 | 0 of 17 | — | 24 |
| Holiday Inn Express | 27 | 0 of 13 | — | — |
| Comfort Inn | 25 | 1 of 14 | — | — |
| Best Western Inn | 22 | 1 of 13 | — | — |
| RODEWAY INN | 19 | 1 of 9 | — | 20 |
| Ramada Inn | 18 | 2 of 13 | — | — |
| Holiday Inn | 15 | 0 of 4 | — | — |
| Travelodge | 12 | 0 of 7 | — | — |
Other systems in Microtel's sector whose franchisees borrowed in Pennsylvania. 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 Microtel’s numbers, including talking you out of a bad deal.