SBA 7(a) FOIA data · borrowers in Atlanta, GA · FY1992 to FY2026 · as of 2025-12-31
Franchise SBA loans in Atlanta, Georgia
SBA lenders have made 687 7(a) loans to franchise businesses in Atlanta since 1992, $398.2M in all, across 358 franchise systems and 115 lenders. Of the loans that have been resolved, 13.4% were charged off, 2.6 points below the national franchise rate of 16.0%. This is what the loan record says about which brands got financed here and how it went. It is not a list of territories for sale; we hold no availability data for any brand.
Headline numbers
- Franchise loans
- 687
- since FY1992
- Approved
- $398.2M
- gross loan amounts
- Charge-off rate
- 13.4%
- 507 resolved loans; national 16.0%
- Systems financed
- 358
- 115 lenders
Franchise systems financed in Atlanta
The twenty systems with the most SBA loans to Atlanta borrowers. The verdict grade is the brand's national grade on this site, an editorial assessment and not investment advice. “Locations on file” counts current franchisee locations we hold anywhere in Georgia: presence, not availability.
| System | Loans here | Charge-off here | Approved | Verdict | Locations on file, GA |
|---|---|---|---|---|---|
| Subway Sandwich Shop | 13 | 10.0% | $1.6M | A: Strongest tier | not on file |
| Ace Hardware | 12 | limited data | $8.8M | A: Strongest tier | not on file |
| Quiznos | 11 | 27.3% | $1.5M | F: Weakest tier | 2 |
| Mellow Mushroom | 9 | limited data | $6.0M | B: Above average | 37 |
| Moe's SW Grill | 9 | limited data | $6.4M | no brand page | not on file |
| Primrose Schools | 9 | limited data | $23.3M | A: Strongest tier | not on file |
| The UPS Store | 9 | limited data | $2.1M | A: Strongest tier | 243 |
| Ameriprise Financial | 8 | limited data | $4.8M | A: Strongest tier | 45 |
| Atlanta Bread Company | 8 | limited data | $2.7M | not graded | not on file |
| Blimpie | 7 | limited data | $454K | D: Below average | 16 |
| Gorin's Homemade Ice Cream | 7 | limited data | $1.4M | not graded | not on file |
| Jimmy John's | 7 | limited data | $2.1M | A: Strongest tier | 86 |
| Naturals2Go | 7 | limited data | $1.0M | not graded | not on file |
| Smoothie King | 7 | limited data | $2.5M | B: Above average | 28 |
| American Deli | 6 | limited data | $1.6M | not graded | not on file |
| Church's Fried Chicken | 6 | limited data | $1.4M | not graded | not on file |
| Mail Boxes Etc. USA | 6 | limited data | $942K | A: Strongest tier | 243 |
| Quality Inn/Quality Suites, Ho | 6 | limited data | $16.6M | not graded | not on file |
| Red Roof Inn | 6 | limited data | $17.6M | A: Strongest tier | 1 |
| Chevron (Gas Station) | 5 | limited data | $4.8M | no brand page | not on file |
Lenders most active in Atlanta
Where a franchise buyer in Atlanta has historically found a 7(a) lender. A lender's local rate reflects which systems it funded here as much as its underwriting.
| Lender | Loans here | Charge-off here | Approved |
|---|---|---|---|
| Truist Bank | 47 | 25.0% | $21.4M |
| Cadence Bank | 30 | 0.0% | $13.8M |
| Stearns Bank National Association | 30 | 12.0% | $6.0M |
| United Midwest Savings Bank National Association | 30 | limited data | $4.4M |
| Wells Fargo Bank National Association | 29 | 15.4% | $12.0M |
| SouthState Bank, National Association | 28 | 9.1% | $24.8M |
| Renasant Bank | 24 | 0.0% | $20.3M |
| The Huntington National Bank | 23 | limited data | $6.3M |
| Ameris Bank | 22 | 11.8% | $14.3M |
| PNC Bank, National Association | 22 | 4.5% | $6.0M |
| Readycap Lending, LLC | 22 | 47.6% | $6.6M |
| East West Bank | 20 | 15.0% | $4.9M |
Franchise loans approved per year
Approvals by SBA fiscal year, the last decade. A quiet year is a quiet year for new lending, not for the businesses already running.
- FY201543
- FY201640
- FY201735
- FY201844
- FY201930
- FY202019
- FY202150
- FY202230
- FY202332
- FY202417
- FY202534
- FY20261
Reading this page
- Does a loan in Atlanta mean a franchise is available in Atlanta?
- No. A loan shows that a franchisee opened or bought a unit in Atlanta and financed it with an SBA 7(a) loan. Whether a territory near you is open now is known only to the franchisor, so ask before you rely on it. FranchiseVerdict holds no territory-availability data for any brand.
- What does the charge-off rate on this page measure?
- Loans that were charged off divided by loans that were resolved, meaning paid in full or charged off. Loans still open count in neither. It is a loan outcome, not a unit failure rate and not a measure of profit, and it is an editorial reading of SBA's data, not investment advice.
- Why does the table say "limited data" for some systems in Atlanta?
- A rate is printed only where at least ten loans in the city have been resolved. Below that, one loan moves the number by ten points or more, so the table says limited data instead of a figure that would not survive the next loan.
- Which of these brands already operate in Georgia?
- FranchiseVerdict holds current franchisee location records in Georgia for 9 of the 18 systems on this page that have a brand page. That is evidence a brand runs units in the state today; a brand with none on file may still operate there, because owner-record coverage is partial.
Talk to franchise owners in Georgia
The loan record says how financing went; an owner says how the business goes. FranchiseVerdict sells verified franchisee contact lists filtered by state, $49 per brand, for personal due diligence only, not telemarketing or automated calls. We hold Georgia owner records for 9 of the 18 systems above that have a brand page.
Get owner contacts — $49/brand