SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
ROBEKS franchise in Arizona: what the public record shows
Franchisees of ROBEKS in Arizona have taken 18 SBA loans in the FY1991–present FOIA files (average $208,011). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. ROBEKS's national ratio is 1.0× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 14 franchised outlets in Arizona (fiscal 2025) — about 0.18 per 100k residents.
Loans in AZ
18
Charged off (all years)
3 of 11
Loss ratio in AZ
—
Loss ratio nationally (not clear)
1.0×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AZ. 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.
Businesses in this industry
11,916
statewide, all operators
Per 100k residents
157.2
national 179.9
Versus the country
-13%
thinner
Every business in ROBEKS's industry operating in Arizona — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$567
Arizona, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
+6%
costlier to staff
What ROBEKS's industry actually pays workers in Arizona, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 10 | — |
| 2024 | 13 | — |
| 2025 | 14 | — |
| System | Loans in AZ | Charged off (all years) | Loss ratio in AZ | Units in AZ |
|---|---|---|---|---|
| DAIRY QUEEN | 79 | 6 of 61 | 0.6×NOT CLEAR | — |
| Quiznos | 72 | 19 of 60 | 1.4×NOT CLEAR | — |
| Subway | 68 | 2 of 60 | 0.2× | 355 |
| Cold Stone Creamery | 43 | 14 of 33 | 1.9× | — |
| Culver's | 33 | 0 of 17 | — | — |
| Baskin-Robbins | 26 | 6 of 19 | — | — |
| Jimmy John's | 24 | 0 of 20 | — | — |
| Firehouse Subs | 20 | 1 of 10 | — | 40 |
| Schlotzsky'S | 19 | 2 of 17 | — | — |
| Tropical Smoothie Cafe | 19 | 2 of 10 | — | 22 |
| Papa Murphy'S | 15 | 2 of 15 | — | — |
| Arby's | 13 | 2 of 11 | — | — |
Other systems in ROBEKS's sector whose franchisees borrowed in Arizona. 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 ROBEKS’ numbers, including talking you out of a bad deal.