SBA 7(a)/504 FOIA · FY1991–PRESENT · IDAHO
Subway franchise in Idaho: what the public record shows
Franchisees of Subway in Idaho have taken 51 SBA loans since 1991 (average $206,139), and of the 42 loans whose story has ended, 2.4% were charged off — versus 6.8% for Subway nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 110 franchised outlets in Idaho (fiscal 2025) — about 5.5 per 100k residents.
Loans in ID
51
Resolved
42
Local charge-off
2.4%
National charge-off
6.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = ID. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 116 | 0 |
| 2024 | 118 | 0 |
| 2025 | 110 | 0 |
| System | Loans in ID | Local charge-off | Units in ID |
|---|---|---|---|
| BIG O TIRES | 19 | 16.7% | 7 |
| DAIRY QUEEN | 15 | thin | — |
| Blimpie | 13 | 10.0% | — |
| SERVICEMASTER RESTORE | 8 | thin | 13 |
| A&W | 7 | thin | 8 |
| ALPHAGRAPHICS | 6 | thin | 4 |
| CRUMBL | 6 | thin | 11 |
| PITA PIT | 6 | thin | 6 |
| Culligan | 5 | thin | 7 |
| JERSEY MIKE'S | 5 | thin | 18 |
Same sector, same state, same public records — how Subway compares to the systems a buyer in Idaho 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 Subway's numbers, including talking you out of a bad deal.