SBA 7(a)/504 FOIA · FY1991–PRESENT · NORTH CAROLINA
QUALITY INN franchise in North Carolina: what the public record shows
Franchisees of QUALITY INN in North Carolina have taken 89 SBA loans in the FY1991–present FOIA files (average $2,225,813). Those approved through FY2020 defaulted less often than franchise loans made in the same years nationally: 1 charge-offs among 44 resolved loans, where about 5.9 would be expected (0.2×). QUALITY INN's national ratio is 0.7×. Its latest FDD Item 20 state table reports 73 franchised outlets in North Carolina (fiscal 2025) — about 0.66 per 100k residents.
Loans in NC
89
Charged off (all years)
1 of 51
Loss ratio in NC
0.2×
Loss ratio nationally
0.7×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NC. 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 | 78 | 0 |
| 2024 | 78 | 0 |
| 2025 | 73 | 0 |
| System | Loans in NC | Charged off (all years) | Loss ratio in NC | Units in NC |
|---|---|---|---|---|
| Days Inn | 97 | 9 of 63 | 0.9×NOT CLEAR | — |
| Super 8 | 65 | 3 of 43 | 0.4×NOT CLEAR | — |
| Microtel | 42 | 6 of 33 | 1.2×NOT CLEAR | — |
| Best Western Inn | 39 | 2 of 24 | — | — |
| ECONO LODGE | 38 | 0 of 23 | — | 33 |
| Holiday Inn Express | 38 | 0 of 23 | — | — |
| Comfort Inn | 37 | 3 of 24 | — | — |
| SLEEP INN | 26 | 0 of 16 | — | 27 |
| Choice Hotels International | 24 | 4 of 21 | — | — |
| Red Roof Inn | 21 | 0 of 12 | — | — |
| Baymont Inn & Suites | 19 | 2 of 12 | — | — |
| Hampton Inns | 19 | 2 of 14 | — | — |
Other systems in QUALITY INN's sector whose franchisees borrowed in North Carolina. 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 QUALITY INN’s numbers, including talking you out of a bad deal.