SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
The Peach Cobbler Factory franchise in Texas: what the public record shows
Franchisees of The Peach Cobbler Factory in Texas have taken 10 SBA loans in the FY1991–present FOIA files (average $215,860). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. The Peach Cobbler Factory has too few seasoned resolved loans nationally for a national ratio. Its latest FDD Item 20 state table reports 12 franchised outlets in Texas (fiscal 2025) — about 0.04 per 100k residents.
Loans in TX
10
Charged off (all years)
—
Loss ratio in TX
—
Loss ratio nationally
—
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
52,545
statewide, all operators
Per 100k residents
167.9
national 179.9
Versus the country
-7%
thinner
Every business in The Peach Cobbler Factory's industry operating in Texas — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$496
Texas, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-8%
cheaper to staff
What The Peach Cobbler Factory's industry actually pays workers in Texas, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 2 | — |
| 2024 | 9 | — |
| 2025 | 12 | — |
| System | Loans in TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| Subway | 370 | 27 of 299 | 0.5× | 1,747 |
| Quiznos | 345 | 76 of 306 | 1.2×NOT CLEAR | — |
| Smoothie King | 200 | 19 of 137 | 0.9×NOT CLEAR | — |
| Wingstop | 166 | 4 of 148 | 0.1× | 428 |
| Schlotzsky'S | 161 | 19 of 130 | 1.0×NOT CLEAR | — |
| Chicken Express | 144 | 1 of 92 | 0.07× | — |
| Cicis Pizza | 140 | 18 of 125 | 0.9×NOT CLEAR | — |
| DAIRY QUEEN | 122 | 13 of 90 | 0.9×NOT CLEAR | — |
| Dickey'S Barbeque | 111 | 25 of 91 | 1.6× | — |
| Marco's Pizza | 103 | 2 of 53 | 0.4×NOT CLEAR | — |
| Bahama Buck's | 101 | 13 of 58 | 1.8× | — |
| MARBLE SLAB CREAMERY | 95 | 16 of 79 | 1.1×NOT CLEAR | — |
Other systems in The Peach Cobbler Factory's sector whose franchisees borrowed in Texas. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing The Peach Cobbler Factory’s numbers, including talking you out of a bad deal.