FLORIDA · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Florida: the loan record
Since 1991, banks have made 7,259 SBA-backed loans to franchisees of 393 different brands in Florida. Of the loans already resolved, 19.2% were charged off — 30% above 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.
7,259
SBA loans since 1991
393
Brands financed
19.2%
Local charge-off rate
31.1
Loans per 100k residents
| Planet Beach | 38 of 46 defaulted | 82.6% |
| The Grounds Guys | 8 of 11 defaulted | 72.7%THIN |
| Foot Solutions | 10 of 14 defaulted | 71.4%THIN |
| Blimpie | 7 of 11 defaulted | 63.6%THIN |
| Sonic Drive-In | 6 of 10 defaulted | 60.0%THIN |
| Atlanta Bread | 11 of 19 defaulted | 57.9%THIN |
| Matco Tools | 20 of 35 defaulted | 57.1% |
| Cottman Transmission | 9 of 16 defaulted | 56.3%THIN |
| Golf Etc. | 9 of 17 defaulted | 52.9%THIN |
| PITA PIT | 6 of 13 defaulted | 46.2%THIN |
| Dickey'S Barbecue Pit | 5 of 11 defaulted | 45.5%THIN |
| Curves for Women | 7 of 17 defaulted | 41.2%THIN |
| Quiznos | 57 of 140 defaulted | 40.7% |
| Schlotzsky'S | 6 of 15 defaulted | 40.0%THIN |
| Cicis Pizza | 22 of 57 defaulted | 38.6% |
| Culver's | 0 of 38 defaulted | 0.0% |
| PRIMROSE SCHOOLS | 0 of 27 defaulted | 0.0%THIN |
| Hand and Stone | 0 of 22 defaulted | 0.0%THIN |
| Kids R Kids | 0 of 22 defaulted | 0.0%THIN |
| Moe'S Sw Grill | 0 of 21 defaulted | 0.0%THIN |
| Burger King | 0 of 20 defaulted | 0.0%THIN |
| Hampton Inns | 0 of 20 defaulted | 0.0%THIN |
| Primrose School (Daycare) | 0 of 19 defaulted | 0.0%THIN |
| AMERIPRISE FINANCIAL SERVICES LLC | 0 of 18 defaulted | 0.0%THIN |
| Home Instead | 0 of 18 defaulted | 0.0%THIN |
| Orangetheory | 0 of 18 defaulted | 0.0%THIN |
| The Learning Experience | 0 of 17 defaulted | 0.0%THIN |
| SUPERCUTS | 0 of 16 defaulted | 0.0%THIN |
| La Quinta Inn | 0 of 15 defaulted | 0.0%THIN |
| Tutor Time | 0 of 15 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 Florida. 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 Florida 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.