SBA 7(a)/504 FOIA · FY1991–PRESENT · COLORADO
Quiznos franchise in Colorado: what the public record shows
Franchisees of Quiznos in Colorado have taken 61 SBA loans since 1991 (average $136,791), and of the 52 loans whose story has ended, 25.0% were charged off — versus 28.5% for Quiznos nationally and 14.8% across all rateable franchise brands.
Loans in CO
61
Resolved
52
Local charge-off
25.0%
National charge-off
28.5%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CO. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor.
Businesses in this industry
11,540
statewide, all operators
Per 100k residents
193.7
national 179.9
Versus the country
+8%
denser
Every business in Quiznos's industry operating in Colorado — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$622
Colorado, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
+16%
costlier to staff
What Quiznos's industry actually pays workers in Colorado, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal 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 CO | Local charge-off | Units in CO |
|---|---|---|---|
| Papa Murphy'S | 43 | 3.2% | — |
| Cold Stone Creamery | 42 | 29.4% | — |
| Culver's | 35 | 0.0% | — |
| Jimmy John's | 32 | 0.0% | — |
| Domino's Pizza | 24 | 5.0% | — |
| Wingstop | 23 | 0.0% | — |
| Firehouse Subs | 21 | 16.7% | 26 |
| Smoothie King | 19 | thin | — |
| Rocky Mountain Chocolate Factory | 18 | 16.7% | — |
| Schlotzsky'S | 18 | 12.5% | — |
| Dickey'S Barbecue Pit | 14 | thin | — |
| Marco's Pizza | 14 | thin | — |
Same sector, same state, same public records — how Quiznos compares to the systems a buyer in Colorado would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing Quiznos's numbers, including talking you out of a bad deal.