GEORGIA · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Georgia: the loan record
Since 1991, banks have made 5,144 SBA-backed loans to franchisees of 263 different brands in Georgia. Of the loans already resolved, 14.7% 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.
5,144
SBA loans since 1991
263
Brands financed
14.7%
Local charge-off rate
46
Loans per 100k residents
| BEEF O' BRADY'S FAMILY SPORTS PUBS | 15 of 18 defaulted | 83.3%THIN |
| All Tune and Lube | 7 of 12 defaulted | 58.3%THIN |
| Choice Hotels International | 13 of 27 defaulted | 48.1%THIN |
| Aamco Transmissions | 7 of 15 defaulted | 46.7%THIN |
| Microtel | 8 of 21 defaulted | 38.1%THIN |
| Philly Connection | 15 of 40 defaulted | 37.5% |
| Quiznos | 20 of 60 defaulted | 33.3% |
| Atlanta Bread | 11 of 33 defaulted | 33.3% |
| MENCHIE'S | 5 of 15 defaulted | 33.3%THIN |
| Baskin-Robbins | 4 of 12 defaulted | 33.3%THIN |
| Cold Stone Creamery | 4 of 13 defaulted | 30.8%THIN |
| Fantastic Sams | 4 of 13 defaulted | 30.8%THIN |
| Larry'S Giant Subs | 4 of 13 defaulted | 30.8%THIN |
| Meineke | 8 of 27 defaulted | 29.6%THIN |
| Pakmail Centers of America | 4 of 14 defaulted | 28.6%THIN |
| Jimmy John's | 0 of 40 defaulted | 0.0% |
| PRIMROSE SCHOOLS | 0 of 28 defaulted | 0.0%THIN |
| Motel 6 | 0 of 25 defaulted | 0.0%THIN |
| Goddard Early Learning Center | 0 of 23 defaulted | 0.0%THIN |
| Christian Brothers Automotive | 0 of 21 defaulted | 0.0%THIN |
| Sport Clips | 0 of 18 defaulted | 0.0%THIN |
| Citgo Service Station | 0 of 17 defaulted | 0.0%THIN |
| SERVPRO | 0 of 17 defaulted | 0.0%THIN |
| Baymont Inn & Suites | 0 of 15 defaulted | 0.0%THIN |
| Fairfield Inn | 0 of 15 defaulted | 0.0%THIN |
| GREAT CLIPS | 0 of 15 defaulted | 0.0%THIN |
| Little Ceasar'S Pizza | 0 of 15 defaulted | 0.0%THIN |
| HOTWORX | 0 of 14 defaulted | 0.0%THIN |
| Wendy'S | 0 of 14 defaulted | 0.0%THIN |
| The Goddard School | 0 of 13 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 Georgia. 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 Georgia 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.