SBA 7(a) FOIA data · borrowers in Phoenix, AZ · FY1992 to FY2025 · as of 2025-12-31
Franchise SBA loans in Phoenix, Arizona
SBA lenders have made 557 7(a) loans to franchise businesses in Phoenix since 1992, $288.7M in all, across 307 franchise systems and 102 lenders. Of the loans that have been resolved, 18.0% were charged off, 2.0 points above 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
- 557
- since FY1992
- Approved
- $288.7M
- gross loan amounts
- Charge-off rate
- 18.0%
- 427 resolved loans; national 16.0%
- Systems financed
- 307
- 102 lenders
Franchise systems financed in Phoenix
The twenty systems with the most SBA loans to Phoenix 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 Arizona: presence, not availability.
| System | Loans here | Charge-off here | Approved | Verdict | Locations on file, AZ |
|---|---|---|---|---|---|
| Quiznos | 16 | 31.2% | $2.2M | F: Weakest tier | 2 |
| Subway Sandwich Shop | 16 | 7.1% | $6.1M | A: Strongest tier | not on file |
| The UPS Store | 16 | 7.1% | $3.8M | A: Strongest tier | 163 |
| Dairy Queen | 13 | 9.1% | $6.5M | B: Above average | 2 |
| Big O Tires | 11 | limited data | $7.0M | B: Above average | 3 |
| Alphagraphics, Printshops Of T | 9 | limited data | $7.9M | C: Average | not on file |
| Mail Boxes Etc. USA | 8 | limited data | $1.3M | A: Strongest tier | 163 |
| Cold Stone Creamery, Inc. | 7 | limited data | $1.5M | C: Average | 4 |
| Ace Hardware | 6 | limited data | $3.2M | A: Strongest tier | not on file |
| Dogtopia | 5 | limited data | $4.2M | A: Strongest tier | not on file |
| European Wax Center | 5 | limited data | $2.0M | A: Strongest tier | not on file |
| Matco Tools (Rent Tools) | 5 | limited data | $224K | C: Average | not on file |
| Native New Yorker (The) | 5 | limited data | $4.5M | not graded | not on file |
| Schlotzsky's Sandwich Shop | 5 | limited data | $554K | B: Above average | 8 |
| Travelodge | 5 | limited data | $8.2M | A: Strongest tier | 9 |
| Baskin-Robbins 31 Ice Cream | 4 | limited data | $1.1M | B: Above average | 42 |
| Cousins Submarines | 4 | limited data | $563K | not graded | not on file |
| Days Inn | 4 | limited data | $7.0M | B: Above average | not on file |
| Elements Therapeutic Massage | 4 | limited data | $953K | not graded | not on file |
| Jersey Mike's | 4 | limited data | $650K | A: Strongest tier | 82 |
Lenders most active in Phoenix
Where a franchise buyer in Phoenix 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 |
|---|---|---|---|
| Wells Fargo Bank National Association | 50 | 12.8% | $14.7M |
| JPMorgan Chase Bank, National Association | 41 | 15.4% | $9.4M |
| Stearns Bank National Association | 30 | 0.0% | $7.1M |
| Zions Bank, A Division of | 30 | 18.5% | $7.5M |
| Readycap Lending, LLC | 29 | 18.5% | $9.8M |
| Celtic Bank Corporation | 22 | 46.7% | $16.9M |
| United Midwest Savings Bank National Association | 20 | limited data | $2.9M |
| The Huntington National Bank | 16 | limited data | $5.1M |
| Comerica Bank | 15 | 46.7% | $9.7M |
| U.S. Bank, National Association | 15 | 6.7% | $8.0M |
| PNC Bank, National Association | 13 | 16.7% | $3.8M |
| BMO Bank National Association | 12 | 10.0% | $4.5M |
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.
- FY201520
- FY201623
- FY201715
- FY201825
- FY201928
- FY202022
- FY202131
- FY202217
- FY202327
- FY202416
- FY202521
Reading this page
- Does a loan in Phoenix mean a franchise is available in Phoenix?
- No. A loan shows that a franchisee opened or bought a unit in Phoenix 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 Phoenix?
- 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 Arizona?
- FranchiseVerdict holds current franchisee location records in Arizona for 10 of the 20 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 Arizona
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 Arizona owner records for 10 of the 20 systems above that have a brand page.
Get owner contacts — $49/brand