SBA 7(a)/504 FOIA · FY1991–PRESENT · ARKANSAS
Simple Simon'S Pizza franchise in Arkansas: what the public record shows
Franchisees of Simple Simon'S Pizza in Arkansas have taken 5 SBA loans in the FY1991–present FOIA files (average $176,800). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Simple Simon'S Pizza's national ratio is 1.0× (not clearly different from 1.0×).
Loans in AR
5
Charged off (all years)
0 of 2
Loss ratio in AR
—
Loss ratio nationally (not clear)
1.0×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AR. 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
4,937
statewide, all operators
Per 100k residents
159.9
national 179.9
Versus the country
-11%
thinner
Every business in Simple Simon'S Pizza's industry operating in Arkansas — 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
$421
Arkansas, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-22%
cheaper to staff
What Simple Simon'S Pizza's industry actually pays workers in Arkansas, 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.
| System | Loans in AR | Charged off (all years) | Loss ratio in AR | Units in AR |
|---|---|---|---|---|
| Subway | 34 | 2 of 31 | 0.3×NOT CLEAR | 240 |
| Domino's Pizza | 15 | 1 of 13 | — | — |
| Firehouse Subs | 14 | 0 of 12 | — | 19 |
| Quiznos | 10 | 0 of 8 | — | — |
| DAIRY QUEEN | 9 | 1 of 6 | — | — |
| Western Sizzlin Steak House | 8 | 0 of 8 | — | — |
| Jimmy John's | 7 | 0 of 5 | — | — |
| Tropical Smoothie Cafe | 7 | 0 of 7 | — | 32 |
| Cicis Pizza | 6 | 0 of 5 | — | — |
| Daylight Donut Shop | 6 | 2 of 5 | — | — |
| JERSEY MIKE'S | 6 | 0 of 2 | — | 16 |
| Smoothie King | 6 | 1 of 4 | — | — |
Other systems in Simple Simon'S Pizza's sector whose franchisees borrowed in Arkansas. 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 Simple Simon'S Pizza’s numbers, including talking you out of a bad deal.