![Schlotzsky's Sandwich Shop logo](https://cdn.brandfetch.io/schlotzskys.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />)
FV-03979SBA data onlyData Quality·SBA Only
Schlotzsky's Sandwich Shop
Restaurant
D#3,563 of 5,063
33
Risk
D67/100
SBA Loan Data Only
This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.
SBA loans
379
Loan volume
$128.2M
Default rate
21.3%
vs <3% typical
Avg loan
$338K
Lenders
67
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
Total loans
379
Loan volume
$128.2M
Median loan
$209K
50th percentile
Default rate
21.3%
vs <3% typical · system-wide
Repayment rate (PIF)
78.7%
5-yr default
—
Loans approved 2021+
Active lenders
67
Defaults
80
Explore lender portfolios on Bank Reports or regional data on State Reports.
Vintage analysis
Schlotzsky's Sandwich Shop default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Lending insight
A 21.3% default rate means roughly 1 in 5 franchisees failed to repay their SBA loan. Investigate what changed.
FranchiseVerdict rating · based on SBA data
Risk & Legal
67
Risk · 0-100
C41Risk score 67
Low confidence±12 pts
5579