SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
QUALITY INN franchise in Texas: what the public record shows
Franchisees of QUALITY INN in Texas have taken 115 SBA loans in the FY1991–present FOIA files (average $1,918,684). Those approved through FY2020 defaulted at a rate not clearly different from franchise loans made in the same years nationally: 10 charge-offs among 73 resolved loans, where about 12 would be expected (0.8×). QUALITY INN's national ratio is 0.7×. Its latest FDD Item 20 state table reports 129 franchised outlets in Texas (fiscal 2025) — about 0.41 per 100k residents.
Loans in TX
115
Charged off (all years)
10 of 77
Loss ratio in TX (not clear)
0.8×
Loss ratio nationally
0.7×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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 | 130 | 0 |
| 2024 | 134 | 0 |
| 2025 | 129 | 0 |
| System | Loans in TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| Best Western Inn | 243 | 14 of 147 | 0.6× | — |
| Days Inn | 190 | 21 of 132 | 1.1×NOT CLEAR | — |
| Holiday Inn Express | 185 | 18 of 108 | 0.8×NOT CLEAR | — |
| Super 8 | 180 | 10 of 123 | 0.5× | — |
| La Quinta Inn | 177 | 17 of 90 | 1.3×NOT CLEAR | — |
| Comfort Inn | 112 | 14 of 79 | 1.0×NOT CLEAR | — |
| Motel 6 | 90 | 2 of 42 | 0.4×NOT CLEAR | — |
| Hampton Inns | 76 | 6 of 41 | 1.0×NOT CLEAR | — |
| Holiday Inn | 76 | 3 of 41 | 0.6×NOT CLEAR | — |
| Ramada Inn | 75 | 11 of 61 | 1.0×NOT CLEAR | — |
| Choice Hotels International | 74 | 14 of 61 | 1.1×NOT CLEAR | — |
| Americas Best Value Inn | 66 | 4 of 34 | 0.8×NOT CLEAR | — |
Other systems in QUALITY INN's sector whose franchisees borrowed in Texas. 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.