COLORADO · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Colorado: the loan record
Since 1991, banks have made 2,550 SBA-backed loans to franchisees of 190 different brands in Colorado. Of the loans already resolved, 13.0% were charged off — 12% below 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.
2,550
SBA loans since 1991
190
Brands financed
13.0%
Local charge-off rate
42.8
Loans per 100k residents
| Executive Tans | 12 of 17 defaulted | 70.6%THIN |
| Fantastic Sams | 8 of 17 defaulted | 47.1%THIN |
| Baskin-Robbins | 5 of 12 defaulted | 41.7%THIN |
| Matco Tools | 8 of 20 defaulted | 40.0%THIN |
| Mail Boxes Etc. Usa | 10 of 29 defaulted | 34.5%THIN |
| Aamco Transmissions | 4 of 12 defaulted | 33.3%THIN |
| Cold Stone Creamery | 10 of 34 defaulted | 29.4% |
| Quiznos | 13 of 52 defaulted | 25.0% |
| Best Western Inn | 5 of 23 defaulted | 21.7%THIN |
| Grease Monkey | 7 of 34 defaulted | 20.6% |
| Conoco Service Station | 2 of 10 defaulted | 20.0%THIN |
| I LOVE KICKBOXING | 2 of 11 defaulted | 18.2%THIN |
| Firehouse Subs | 2 of 12 defaulted | 16.7%THIN |
| Rocky Mountain Chocolate Factory | 2 of 12 defaulted | 16.7%THIN |
| DAIRY QUEEN | 5 of 33 defaulted | 15.2% |
| Jimmy John's | 0 of 24 defaulted | 0.0%THIN |
| Culver's | 0 of 20 defaulted | 0.0%THIN |
| Meineke | 0 of 20 defaulted | 0.0%THIN |
| Wingstop | 0 of 19 defaulted | 0.0%THIN |
| Goddard Early Learning Center | 0 of 17 defaulted | 0.0%THIN |
| Christian Brothers Automotive | 0 of 15 defaulted | 0.0%THIN |
| Orangetheory | 0 of 15 defaulted | 0.0%THIN |
| Primrose School (Daycare) | 0 of 15 defaulted | 0.0%THIN |
| The Goddard School | 0 of 14 defaulted | 0.0%THIN |
| SERVPRO | 0 of 13 defaulted | 0.0%THIN |
| Burger King | 0 of 11 defaulted | 0.0%THIN |
| FLOWERAMA | 0 of 11 defaulted | 0.0%THIN |
| Pearle Vision | 0 of 10 defaulted | 0.0%THIN |
| PRIMROSE SCHOOLS | 0 of 10 defaulted | 0.0%THIN |
| True Value Hardware | 0 of 10 defaulted | 0.0%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 Colorado. 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 Colorado 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.