TEXAS · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Texas: the loan record
Since 1991, banks have made 14,564 SBA-backed loans to franchisees of 527 different brands in Texas. Of the loans already resolved, 18.6% were charged off — 26% above 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.
14,564
SBA loans since 1991
527
Brands financed
18.6%
Local charge-off rate
46.5
Loans per 100k residents
| 24 Seven Vending | 13 of 13 defaulted | 100.0%THIN |
| Carvel Ice Cream | 11 of 12 defaulted | 91.7%THIN |
| Econo Lub N Tune | 9 of 10 defaulted | 90.0%THIN |
| Experimac | 8 of 10 defaulted | 80.0%THIN |
| Obee'S Soup Salad Subs | 11 of 14 defaulted | 78.6%THIN |
| Golf U.S.a. (Retail Golf Equip.) | 8 of 11 defaulted | 72.7%THIN |
| Candy Bouquet | 7 of 10 defaulted | 70.0%THIN |
| Wings to Go | 8 of 12 defaulted | 66.7%THIN |
| IFOAM | 6 of 10 defaulted | 60.0%THIN |
| Wayback Burgers | 6 of 10 defaulted | 60.0%THIN |
| College Hunks Hauling Junk | 7 of 12 defaulted | 58.3%THIN |
| All Tune and Lube | 26 of 45 defaulted | 57.8% |
| Simple Simon'S Pizza | 12 of 21 defaulted | 57.1%THIN |
| BEEF O' BRADY'S FAMILY SPORTS PUBS | 6 of 11 defaulted | 54.5%THIN |
| LINE-X | 6 of 11 defaulted | 54.5%THIN |
| Christian Brothers Automotive | 0 of 100 defaulted | 0.0% |
| European Wax Centers-Galleria | 0 of 50 defaulted | 0.0% |
| JERSEY MIKE'S | 0 of 41 defaulted | 0.0% |
| PRIMROSE SCHOOLS | 0 of 40 defaulted | 0.0% |
| Childrens Lighthouse | 0 of 39 defaulted | 0.0% |
| AMERIPRISE FINANCIAL SERVICES LLC | 0 of 31 defaulted | 0.0% |
| DENNY'S | 0 of 29 defaulted | 0.0%THIN |
| Home Instead | 0 of 27 defaulted | 0.0%THIN |
| Nothing Bundt Cakes | 0 of 27 defaulted | 0.0%THIN |
| Valero | 0 of 27 defaulted | 0.0%THIN |
| Club Pilates | 0 of 24 defaulted | 0.0%THIN |
| Sport Clips | 0 of 24 defaulted | 0.0%THIN |
| Sunoco, LLC (Various Brands) Fuel Supply Agreement | 0 of 23 defaulted | 0.0%THIN |
| Allstate Insurance | 0 of 21 defaulted | 0.0%THIN |
| Burger King | 0 of 20 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 Texas. 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 Texas 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.