KENTUCKY · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Kentucky: the loan record
Since 1991, banks have made 981 SBA-backed loans to franchisees of 87 different brands in Kentucky. Of the loans already resolved, 13.5% were charged off — 9% 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.
981
SBA loans since 1991
87
Brands financed
13.5%
Local charge-off rate
21.4
Loans per 100k residents
| Quiznos | 11 of 21 defaulted | 52.4%THIN |
| Holiday Inn Express | 5 of 13 defaulted | 38.5%THIN |
| Days Inn | 4 of 17 defaulted | 23.5%THIN |
| Minuteman Press | 2 of 11 defaulted | 18.2%THIN |
| ANYTIME FITNESS | 2 of 13 defaulted | 15.4%THIN |
| DAIRY QUEEN | 2 of 20 defaulted | 10.0%THIN |
| Super 8 | 2 of 22 defaulted | 9.1%THIN |
| Mail Boxes Etc. Usa | 1 of 12 defaulted | 8.3%THIN |
| HUDDLE HOUSE | 1 of 13 defaulted | 7.7%THIN |
| Radioshack | 1 of 13 defaulted | 7.7%THIN |
| Subway | 8 of 120 defaulted | 6.7% |
| SERVPRO | 0 of 19 defaulted | 0.0%THIN |
| Little Ceasar'S Pizza | 0 of 12 defaulted | 0.0%THIN |
| Ace Hardware | 0 of 10 defaulted | 0.0%THIN |
| ECONO LODGE | 0 of 10 defaulted | 0.0%THIN |
| SERVPRO | 0 of 19 defaulted | 0.0%THIN |
| Little Ceasar'S Pizza | 0 of 12 defaulted | 0.0%THIN |
| Ace Hardware | 0 of 10 defaulted | 0.0%THIN |
| ECONO LODGE | 0 of 10 defaulted | 0.0%THIN |
| Zaxby's | 0 of 10 defaulted | 0.0%THIN |
| Subway | 8 of 120 defaulted | 6.7% |
| HUDDLE HOUSE | 1 of 13 defaulted | 7.7%THIN |
| Radioshack | 1 of 13 defaulted | 7.7%THIN |
| Mail Boxes Etc. Usa | 1 of 12 defaulted | 8.3%THIN |
| Super 8 | 2 of 22 defaulted | 9.1%THIN |
| DAIRY QUEEN | 2 of 20 defaulted | 10.0%THIN |
| ANYTIME FITNESS | 2 of 13 defaulted | 15.4%THIN |
| Minuteman Press | 2 of 11 defaulted | 18.2%THIN |
| Days Inn | 4 of 17 defaulted | 23.5%THIN |
| Holiday Inn Express | 5 of 13 defaulted | 38.5%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 Kentucky. 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 Kentucky 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.