MISSISSIPPI · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Mississippi: the loan record
Since 1991, banks have made 540 SBA-backed loans to franchisees of 49 different brands in Mississippi. Of the loans already resolved, 12.2% were charged off — 17% 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.
540
SBA loans since 1991
49
Brands financed
12.2%
Local charge-off rate
18.3
Loans per 100k residents
| Best Western Inn | 3 of 13 defaulted | 23.1%THIN |
| QUALITY INN | 2 of 10 defaulted | 20.0%THIN |
| Super 8 | 3 of 20 defaulted | 15.0%THIN |
| Holiday Inn Express | 2 of 15 defaulted | 13.3%THIN |
| Days Inn | 3 of 26 defaulted | 11.5%THIN |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 2 of 19 defaulted | 10.5%THIN |
| Little Caesar Pizza | 1 of 11 defaulted | 9.1%THIN |
| Ramada Inn | 1 of 11 defaulted | 9.1%THIN |
| SERVPRO | 1 of 15 defaulted | 6.7%THIN |
| Subway | 2 of 38 defaulted | 5.3% |
| Subway | 2 of 38 defaulted | 5.3% |
| SERVPRO | 1 of 15 defaulted | 6.7%THIN |
| Little Caesar Pizza | 1 of 11 defaulted | 9.1%THIN |
| Ramada Inn | 1 of 11 defaulted | 9.1%THIN |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 2 of 19 defaulted | 10.5%THIN |
| Days Inn | 3 of 26 defaulted | 11.5%THIN |
| Holiday Inn Express | 2 of 15 defaulted | 13.3%THIN |
| Super 8 | 3 of 20 defaulted | 15.0%THIN |
| QUALITY INN | 2 of 10 defaulted | 20.0%THIN |
| Best Western Inn | 3 of 13 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 Mississippi. 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 Mississippi 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.