ALABAMA · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Alabama: the loan record
Since 1991, banks have made 1,097 SBA-backed loans to franchisees of 86 different brands in Alabama. Of the loans already resolved, 14.9% were charged off — in line with the national franchise baseline of 14.8%. This page is not a directory of who paid to be listed; it is what actually happened to the people who bought franchises here, according to the federal loan record.
1,097
SBA loans since 1991
86
Brands financed
14.9%
Local charge-off rate
21.3
Loans per 100k residents
| Matco Tools | 6 of 12 defaulted | 50.0%THIN |
| Quiznos | 11 of 26 defaulted | 42.3%THIN |
| Mail Boxes Etc. Usa | 5 of 14 defaulted | 35.7%THIN |
| Bruster'S | 3 of 10 defaulted | 30.0%THIN |
| Choice Hotels International | 5 of 17 defaulted | 29.4%THIN |
| Best Western Inn | 4 of 17 defaulted | 23.5%THIN |
| DAIRY QUEEN | 6 of 26 defaulted | 23.1%THIN |
| Jimmy John's | 3 of 13 defaulted | 23.1%THIN |
| Piggly Wiggly | 2 of 10 defaulted | 20.0%THIN |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 6 of 33 defaulted | 18.2% |
| Days Inn | 5 of 35 defaulted | 14.3% |
| Holiday Inn Express | 2 of 16 defaulted | 12.5%THIN |
| Domino's Pizza | 2 of 18 defaulted | 11.1%THIN |
| Ace Hardware | 1 of 11 defaulted | 9.1%THIN |
| HUDDLE HOUSE | 1 of 12 defaulted | 8.3%THIN |
| Zaxby's | 0 of 28 defaulted | 0.0%THIN |
| Hampton Inns | 0 of 19 defaulted | 0.0%THIN |
| Super 8 | 1 of 18 defaulted | 5.6%THIN |
| QUALITY INN | 1 of 17 defaulted | 5.9%THIN |
| THE UPS STORE NON-TRADITIONAL | 1 of 17 defaulted | 5.9%THIN |
| Subway | 4 of 56 defaulted | 7.1% |
| ECONO LODGE | 1 of 14 defaulted | 7.1%THIN |
| HUDDLE HOUSE | 1 of 12 defaulted | 8.3%THIN |
| Ace Hardware | 1 of 11 defaulted | 9.1%THIN |
| Domino's Pizza | 2 of 18 defaulted | 11.1%THIN |
| Holiday Inn Express | 2 of 16 defaulted | 12.5%THIN |
| Days Inn | 5 of 35 defaulted | 14.3% |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 6 of 33 defaulted | 18.2% |
| Piggly Wiggly | 2 of 10 defaulted | 20.0%THIN |
| DAIRY QUEEN | 6 of 26 defaulted | 23.1%THIN |
Every SBA 7(a) and 504 loan in the FY1991–present FOIA files (data.sba.gov) whose borrower is matched to a franchise brand and whose borrower state is Alabama. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); still-open loans never dilute the rate. A local rate prints only at 10+ resolved loans in-state, and is marked THIN below 30 — directional, not a verdict. Local conditions, lender mix, and era all sit inside these numbers; read a brand's national record and its FDD before concluding anything. Brand links lead to the full sourced profile; “local record” links to the brand's Alabama loan page.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing the numbers, including talking you out of a bad deal.