NEW YORK · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in New York: the loan record
Since 1991, banks have made 3,096 SBA-backed loans to franchisees of 192 different brands in New York. Of the loans already resolved, 15.1% 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.
3,096
SBA loans since 1991
192
Brands financed
15.1%
Local charge-off rate
15.6
Loans per 100k residents
| Cold Stone Creamery | 15 of 30 defaulted | 50.0% |
| Hollywood Tans | 7 of 16 defaulted | 43.8%THIN |
| Fedex Ground | 6 of 14 defaulted | 42.9%THIN |
| Curves for Women | 5 of 12 defaulted | 41.7%THIN |
| Liberty Tax Service | 4 of 10 defaulted | 40.0%THIN |
| I LOVE KICKBOXING | 4 of 11 defaulted | 36.4%THIN |
| Quiznos | 36 of 105 defaulted | 34.3% |
| DAIRY QUEEN | 4 of 12 defaulted | 33.3%THIN |
| Meineke | 6 of 19 defaulted | 31.6%THIN |
| Papa Johns | 5 of 16 defaulted | 31.3%THIN |
| Snap-On | 4 of 13 defaulted | 30.8%THIN |
| ANYTIME FITNESS | 3 of 10 defaulted | 30.0%THIN |
| Carvel Ice Cream | 3 of 10 defaulted | 30.0%THIN |
| Aamco Transmissions | 6 of 23 defaulted | 26.1%THIN |
| Matco Tools | 5 of 22 defaulted | 22.7%THIN |
| Orangetheory | 0 of 22 defaulted | 0.0%THIN |
| Super 8 | 0 of 21 defaulted | 0.0%THIN |
| AMERIPRISE FINANCIAL SERVICES LLC | 0 of 19 defaulted | 0.0%THIN |
| Tutor Time | 0 of 16 defaulted | 0.0%THIN |
| Allstate Insurance | 0 of 14 defaulted | 0.0%THIN |
| GREAT CLIPS | 0 of 14 defaulted | 0.0%THIN |
| Five Guys | 0 of 10 defaulted | 0.0%THIN |
| European Wax Centers-Galleria | 1 of 27 defaulted | 3.7%THIN |
| Days Inn | 1 of 23 defaulted | 4.3%THIN |
| Mail Boxes Etc. Usa | 2 of 42 defaulted | 4.8% |
| Retrofitness | 1 of 20 defaulted | 5.0%THIN |
| Holiday Inn Express | 1 of 17 defaulted | 5.9%THIN |
| QUALITY INN | 1 of 13 defaulted | 7.7%THIN |
| The Learning Experience | 1 of 13 defaulted | 7.7%THIN |
| EDIBLE ARRANGEMENTS | 2 of 25 defaulted | 8.0%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 New York. 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 New York 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.