TENNESSEE · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Tennessee: the loan record
Since 1991, banks have made 1,433 SBA-backed loans to franchisees of 129 different brands in Tennessee. 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.
1,433
SBA loans since 1991
129
Brands financed
15.1%
Local charge-off rate
19.8
Loans per 100k residents
| Matco Tools | 11 of 16 defaulted | 68.8%THIN |
| ECONO LODGE | 4 of 10 defaulted | 40.0%THIN |
| Schlotzsky'S | 7 of 18 defaulted | 38.9%THIN |
| Ramada Inn | 4 of 11 defaulted | 36.4%THIN |
| Quiznos | 5 of 14 defaulted | 35.7%THIN |
| Cicis Pizza | 6 of 17 defaulted | 35.3%THIN |
| Smoothie King | 3 of 10 defaulted | 30.0%THIN |
| Meineke | 4 of 15 defaulted | 26.7%THIN |
| Jimmy John's | 2 of 10 defaulted | 20.0%THIN |
| MARBLE SLAB CREAMERY | 2 of 11 defaulted | 18.2%THIN |
| Baskin-Robbins | 2 of 12 defaulted | 16.7%THIN |
| Holiday Inn Express | 4 of 28 defaulted | 14.3%THIN |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 3 of 22 defaulted | 13.6%THIN |
| Days Inn | 2 of 15 defaulted | 13.3%THIN |
| SERVPRO | 2 of 16 defaulted | 12.5%THIN |
| Culver's | 0 of 13 defaulted | 0.0%THIN |
| Marco's Pizza | 0 of 11 defaulted | 0.0%THIN |
| Orangetheory | 0 of 11 defaulted | 0.0%THIN |
| Sport Clips | 0 of 11 defaulted | 0.0%THIN |
| Christian Brothers Automotive | 0 of 10 defaulted | 0.0%THIN |
| Subway | 1 of 42 defaulted | 2.4% |
| Super 8 | 1 of 30 defaulted | 3.3% |
| Hampton Inns | 1 of 16 defaulted | 6.3%THIN |
| Zaxby's | 2 of 29 defaulted | 6.9%THIN |
| Best Western Inn | 1 of 14 defaulted | 7.1%THIN |
| DAIRY QUEEN | 2 of 26 defaulted | 7.7%THIN |
| Domino's Pizza | 1 of 13 defaulted | 7.7%THIN |
| SLEEP INN | 1 of 12 defaulted | 8.3%THIN |
| ANYTIME FITNESS | 1 of 10 defaulted | 10.0%THIN |
| QUALITY INN | 2 of 17 defaulted | 11.8%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 Tennessee. 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 Tennessee 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.