SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Schlotzsky'S franchise in Texas: what the public record shows
Franchisees of Schlotzsky'S in Texas have taken 161 SBA loans since 1991 (average $466,033), and of the 130 loans whose story has ended, 14.6% were charged off — versus 20.4% for Schlotzsky'S nationally and 14.8% across all rateable franchise brands.
Loans in TX
161
Resolved
130
Local charge-off
14.6%
National charge-off
20.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
52,545
statewide, all operators
Per 100k residents
167.9
national 179.9
Versus the country
-7%
thinner
Every business in Schlotzsky'S's industry operating in Texas — 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
$496
Texas, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-8%
cheaper to staff
What Schlotzsky'S's industry actually pays workers in Texas, 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 TX | Local charge-off | Units in TX |
|---|---|---|---|
| Quiznos | 345 | 24.8% | — |
| Smoothie King | 200 | 13.9% | — |
| Wingstop | 166 | 2.7% | — |
| Chicken Express | 144 | 1.1% | — |
| Cicis Pizza | 140 | 14.4% | — |
| Marco's Pizza | 103 | 3.8% | — |
| Bahama Buck's | 101 | 22.4% | — |
| MARBLE SLAB CREAMERY | 95 | 20.3% | — |
| Jimmy John's | 93 | 9.1% | — |
| Cold Stone Creamery | 85 | 43.9% | — |
| Firehouse Subs | 71 | 10.4% | 106 |
| Golden Corral | 70 | 6.7% | — |
Same sector, same state, same public records — how Schlotzsky'S compares to the systems a buyer in Texas 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.