SBA 7(a)/504 FOIA · FY1991–PRESENT · NEBRASKA
Subway franchise in Nebraska: what the public record shows
Franchisees of Subway in Nebraska have taken 53 SBA loans since 1991 (average $225,677), and of the 43 loans whose story has ended, 9.3% 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 153 franchised outlets in Nebraska (fiscal 2025) — about 7.63 per 100k residents.
Loans in NE
53
Resolved
43
Local charge-off
9.3%
National charge-off
6.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NE. 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 | 168 | 0 |
| 2024 | 162 | 0 |
| 2025 | 153 | 0 |
| System | Loans in NE | Local charge-off | Units in NE |
|---|---|---|---|
| DAIRY QUEEN | 33 | 0.0% | — |
| HOTWORX | 13 | thin | 16 |
| H&R Block | 9 | thin | 55 |
| Home Instead | 9 | thin | 8 |
| SERVICEMASTER RESTORE | 9 | thin | 17 |
| BIG O TIRES | 6 | thin | 2 |
| MASSAGE ENVY | 5 | thin | 6 |
| Matco Tools | 5 | thin | — |
| Sport Clips | 5 | thin | 14 |
| TOMMY'S EXPRESS | 5 | thin | 12 |
Same sector, same state, same public records — how Subway compares to the systems a buyer in Nebraska 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.
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