SBA 7(a)/504 FOIA · FY1991–PRESENT · OREGON
Subway franchise in Oregon: what the public record shows
Franchisees of Subway in Oregon have taken 81 SBA loans since 1991 (average $223,023), and of the 69 loans whose story has ended, 1.4% 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 207 franchised outlets in Oregon (fiscal 2025) — about 4.85 per 100k residents.
Loans in OR
81
Resolved
69
Local charge-off
1.4%
National charge-off
6.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OR. 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 | 251 | 0 |
| 2024 | 227 | 0 |
| 2025 | 207 | 0 |
| System | Loans in OR | Local charge-off | Units in OR |
|---|---|---|---|
| DAIRY QUEEN | 61 | 2.8% | — |
| Home Instead | 12 | thin | 10 |
| RODEWAY INN | 11 | thin | 12 |
| DENNY'S | 8 | thin | 17 |
| Fastsigns | 8 | thin | — |
| Minuteman Press | 8 | thin | — |
| Budget Blinds | 7 | thin | — |
| Matco Tools | 7 | thin | — |
| Sport Clips | 6 | thin | 20 |
| BIG O TIRES | 5 | thin | 1 |
| CERTA PROPAINTERS | 5 | thin | 4 |
| MASSAGE ENVY | 5 | thin | 5 |
Same sector, same state, same public records — how Subway compares to the systems a buyer in Oregon 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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