SBA 7(a)/504 FOIA · FY1991–PRESENT · OKLAHOMA
Subway franchise in Oklahoma: what the public record shows
Franchisees of Subway in Oklahoma have taken 150 SBA loans since 1991 (average $199,967), and of the 134 loans whose story has ended, 6.7% 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 276 franchised outlets in Oklahoma (fiscal 2025) — about 6.74 per 100k residents.
Loans in OK
150
Resolved
134
Local charge-off
6.7%
National charge-off
6.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OK. 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 | 296 | 0 |
| 2024 | 284 | 0 |
| 2025 | 276 | 0 |
| System | Loans in OK | Local charge-off | Units in OK |
|---|---|---|---|
| Matco Tools | 15 | 42.9% | — |
| Golden Corral (Restaurant) | 13 | 20.0% | — |
| Firehouse Subs | 12 | thin | 11 |
| DAIRY QUEEN | 9 | thin | — |
| Fastsigns | 9 | thin | — |
| Minuteman Press | 9 | thin | — |
| Farmers Insurance Agent Appointment Agreement | 8 | thin | — |
| HOTWORX | 8 | thin | 17 |
| JERSEY MIKE'S | 8 | thin | 22 |
| PRECISION TUNE FRANCHISE AGREEMENT | 7 | thin | 9 |
| Uptown Cheapskate | 7 | thin | — |
| MERLE NORMAN COSMETICS | 6 | thin | 25 |
Same sector, same state, same public records — how Subway compares to the systems a buyer in Oklahoma would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
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