SBA 7(a)/504 FOIA · FY1991–PRESENT · DISTRICT OF COLUMBIA
Subway franchise in District of Columbia: what the public record shows
Franchisees of Subway in District of Columbia have taken 9 SBA loans since 1991 (average $570,266)— 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 6.8% is the better guide. Its latest FDD Item 20 state table reports 46 franchised outlets in District of Columbia (fiscal 2025) — about 6.55 per 100k residents.
Loans in DC
9
Resolved
6
Local charge-off
thin
National charge-off
6.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = DC. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 56 | 0 |
| 2024 | 51 | 0 |
| 2025 | 46 | 0 |
| System | Loans in DC | Local charge-off | Units in DC |
|---|---|---|---|
| BARRE3 | 5 | thin | 2 |
Same sector, same state, same public records — how Subway compares to the systems a buyer in District of Columbia 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. An independent CPA is paid by you — and the job is pressure-testing Subway's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →