SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
Quiznos franchise in Missouri: what the public record shows
Franchisees of Quiznos in Missouri have taken 78 SBA loans since 1991 (average $148,692), and of the 64 loans whose story has ended, 31.3% were charged off — versus 28.5% for Quiznos nationally and 14.8% across all rateable franchise brands.
Loans in MO
78
Resolved
64
Local charge-off
31.3%
National charge-off
28.5%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MO. 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
10,459
statewide, all operators
Per 100k residents
167.5
national 179.9
Versus the country
-7%
thinner
Every business in Quiznos's industry operating in Missouri — 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
$485
Missouri, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-10%
cheaper to staff
What Quiznos's industry actually pays workers in Missouri, 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 MO | Local charge-off | Units in MO |
|---|---|---|---|
| Culver's | 62 | 2.5% | — |
| Jimmy John's | 43 | 3.2% | — |
| Domino's Pizza | 38 | 8.0% | — |
| Smoothie King | 25 | 7.1% | — |
| Papa Murphy'S | 24 | 5.0% | — |
| Dunkin Donuts/Baskin-Robbins Co-Brand | 22 | 15.4% | — |
| Cold Stone Creamery | 21 | 27.8% | — |
| SCOOTER'S COFFEE | 20 | thin | 76 |
| Golden Corral | 17 | 9.1% | — |
| Kentucky Fried Chicken | 17 | 25.0% | — |
| Sonic Drive-In | 16 | 0.0% | — |
| Firehouse Subs | 14 | 0.0% | 25 |
Same sector, same state, same public records — how Quiznos compares to the systems a buyer in Missouri 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.