SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Western Sizzlin Steak House franchise in Georgia: what the public record shows
Franchisees of Western Sizzlin Steak House in Georgia have taken 9 SBA loans in the FY1991–present FOIA files (average $443,444). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Western Sizzlin Steak House's national ratio is 1.3× (not clearly different from 1.0×).
Loans in GA
9
Charged off (all years)
1 of 8
Loss ratio in GA
—
Loss ratio nationally (not clear)
1.3×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. 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
19,682
statewide, all operators
Per 100k residents
176
national 179.9
Versus the country
-2%
thinner
Every business in Western Sizzlin Steak House's industry operating in Georgia — 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
$486
Georgia, BLS QCEW 2025
National average
$537
same industry, all states
Versus the country
-9%
cheaper to staff
What Western Sizzlin Steak House's industry actually pays workers in Georgia, 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.
| System | Loans in GA | Charged off (all years) | Loss ratio in GA | Units in GA |
|---|---|---|---|---|
| Subway | 119 | 5 of 85 | 0.4× | 634 |
| DAIRY QUEEN | 89 | 5 of 65 | 0.6×NOT CLEAR | — |
| Dunkin' | 86 | 8 of 61 | 0.9×NOT CLEAR | — |
| Zaxby's | 86 | 1 of 56 | 0.09× | — |
| Marco's Pizza | 73 | 2 of 48 | 0.5×NOT CLEAR | — |
| Smoothie King | 72 | 6 of 43 | 0.8×NOT CLEAR | — |
| Quiznos | 71 | 20 of 60 | 1.4×NOT CLEAR | — |
| Bruster'S | 64 | 4 of 41 | 0.5×NOT CLEAR | — |
| Firehouse Subs | 54 | 1 of 41 | 0.2×NOT CLEAR | 93 |
| Jimmy John's | 54 | 0 of 40 | 0× | — |
| Mellow Mushroom | 54 | 2 of 34 | 0.4×NOT CLEAR | — |
| Blimpie | 49 | 9 of 43 | 1.2×NOT CLEAR | — |
Other systems in Western Sizzlin Steak House's sector whose franchisees borrowed in Georgia. 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 Western Sizzlin Steak House’s numbers, including talking you out of a bad deal.