SBA 7(a)/504 FOIA · FY1991–PRESENT · COLORADO
SCOOTER'S COFFEE franchise in Colorado: what the public record shows
Franchisees of SCOOTER'S COFFEE in Colorado have taken 11 SBA loans since 1991 (average $849,154)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 4.9% is the better guide. Its latest FDD Item 20 state table reports 8 franchised outlets in Colorado (fiscal 2024) — about 0.13 per 100k residents.
Loans in CO
11
Resolved
3
Local charge-off
thin
National charge-off
4.9%
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 of 30 loans.
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 SCOOTER'S COFFEE'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 SCOOTER'S COFFEE'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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2022 | 8 | 3 |
| 2023 | 7 | 5 |
| 2024 | 8 | 2 |
| System | Loans in CO | Local charge-off | Units in CO |
|---|---|---|---|
| Quiznos | 61 | 25.0% | — |
| 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 | — |
Same sector, same state, same public records — how SCOOTER'S COFFEE 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 SCOOTER'S COFFEE's numbers, including talking you out of a bad deal.