UTAH · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Utah: the loan record
Since 1991, banks have made 1,166 SBA-backed loans to franchisees of 99 different brands in Utah. Of the loans already resolved, 9.7% were charged off — 34% 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.
1,166
SBA loans since 1991
99
Brands financed
9.7%
Local charge-off rate
33.3
Loans per 100k residents
| Quiznos | 8 of 19 defaulted | 42.1%THIN |
| Chem-Dry | 5 of 12 defaulted | 41.7%THIN |
| Arby's | 4 of 10 defaulted | 40.0%THIN |
| Taco Maker | 3 of 11 defaulted | 27.3%THIN |
| DAIRY QUEEN | 4 of 16 defaulted | 25.0%THIN |
| Blimpie | 3 of 12 defaulted | 25.0%THIN |
| KID TO KID | 3 of 15 defaulted | 20.0%THIN |
| Chevron (Gas Station) | 2 of 11 defaulted | 18.2%THIN |
| ANYTIME FITNESS | 2 of 14 defaulted | 14.3%THIN |
| Fantastic Sams | 2 of 16 defaulted | 12.5%THIN |
| Firehouse Subs | 1 of 11 defaulted | 9.1%THIN |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 1 of 13 defaulted | 7.7%THIN |
| Subway | 2 of 49 defaulted | 4.1% |
| BIG O TIRES | 1 of 38 defaulted | 2.6% |
| Bee Hive Homes | 1 of 44 defaulted | 2.3% |
| Papa Murphy'S | 0 of 22 defaulted | 0.0%THIN |
| Cold Stone Creamery | 0 of 16 defaulted | 0.0%THIN |
| Days Inn | 0 of 13 defaulted | 0.0%THIN |
| Super 8 | 0 of 13 defaulted | 0.0%THIN |
| THE UPS STORE NON-TRADITIONAL | 0 of 13 defaulted | 0.0%THIN |
| Ace Hardware | 0 of 12 defaulted | 0.0%THIN |
| SUPERCUTS | 0 of 12 defaulted | 0.0%THIN |
| Culver's | 0 of 11 defaulted | 0.0%THIN |
| Grease Monkey | 0 of 11 defaulted | 0.0%THIN |
| Mail Boxes Etc. Usa | 0 of 10 defaulted | 0.0%THIN |
| Sport Clips | 0 of 10 defaulted | 0.0%THIN |
| Bee Hive Homes | 1 of 44 defaulted | 2.3% |
| BIG O TIRES | 1 of 38 defaulted | 2.6% |
| Subway | 2 of 49 defaulted | 4.1% |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 1 of 13 defaulted | 7.7%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 Utah. 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 Utah 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.