SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Schlotzsky'S franchise in Georgia: what the public record shows
Franchisees of Schlotzsky'S in Georgia have taken 31 SBA loans since 1991 (average $213,758), and of the 29 loans whose story has ended, 13.8% were charged off — versus 20.4% for Schlotzsky'S nationally and 14.8% across all rateable franchise brands.
Loans in GA
31
Resolved
29
Local charge-off
13.8%
National charge-off
20.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. 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
19,682
statewide, all operators
Per 100k residents
176
national 179.9
Versus the country
-2%
thinner
Every business in Schlotzsky'S's industry operating in Georgia — 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
$486
Georgia, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-9%
cheaper to staff
What Schlotzsky'S's industry actually pays workers in Georgia, 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 GA | Local charge-off | Units in GA |
|---|---|---|---|
| Dunkin Donuts/Baskin-Robbins Co-Brand | 91 | 12.5% | — |
| Zaxby's | 86 | 1.8% | — |
| Marco's Pizza | 73 | 4.2% | — |
| Smoothie King | 72 | 14.0% | — |
| Quiznos | 71 | 33.3% | — |
| Bruster'S | 64 | 9.8% | — |
| Firehouse Subs | 54 | 2.4% | 93 |
| Jimmy John's | 54 | 0.0% | — |
| Mellow Mushroom | 54 | 5.9% | — |
| Philly Connection | 45 | 37.5% | — |
| Atlanta Bread | 39 | 33.3% | — |
| HUDDLE HOUSE | 39 | 25.7% | — |
Same sector, same state, same public records — how Schlotzsky'S compares to the systems a buyer in Georgia 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 Schlotzsky'S's numbers, including talking you out of a bad deal.