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SBA 7(a) franchise lending
Georgia
GA
- Total loans
- 6,081
- Loan volume
- $4.4B
- Default rate
- 15.5%
- Jobs created
- 83,216
Defaults
633
Avg interest
6.98%
Job velocity
1.9
per $100K loaned
Franchises active
1,605
Highest default rates in Georgia
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Play N Trade | 6 | 100.0% | 63.3% |
| Beef O'brady's | 18 | 83.3% | 55.0% |
| Planet Beach | 9 | 77.8% | 55.7% |
| Wicks 'n' Sticks | 5 | 60.0% | 33.3% |
| Huntington Learning Center | 5 | 60.0% | 36.4% |
| Golf Etc. | 5 | 60.0% | 54.5% |
| Fox's Pizza Den | 7 | 57.1% | 25.2% |
| All Tune And Lube | 11 | 54.5% | 43.9% |
| AAMCO Transmissions | 14 | 50.0% | 31.8% |
| Pizza Inn | 6 | 50.0% | 25.0% |
Lowest default rates in Georgia
| Franchise | Loans | Default % |
|---|---|---|
| Travelodge | 19 | 0.0% |
| Krystal (drive-Thru Restaurant | 5 | 0.0% |
| Play It Again Sports (retail S | 10 | 0.0% |
| Red Carpet Inn | 6 | 0.0% |
| Amoco (gas Station) | 5 | 0.0% |
| Taco Bell | 7 | 0.0% |
| Little Ceasar's Pizza | 15 | 0.0% |
| Great American Cookies | 9 | 0.0% |
| Servpro | 11 | 0.0% |
| Servicemaster | 6 | 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Hotels & Motels721110 | 723 | $1.6B | 5.7% | |
| Limited-Service Restaurants722513 | 624 | $365.4M | 8.8% | |
| Limited-Service Restaurants722211 | 401 | $126.8M | 28.6% | |
| Full-Service Restaurants722511 | 263 | $156.4M | 14.4% | |
| Gasoline Stations with Convenience Stores447110 | 260 | $318.9M | 2.0% | |
| Fitness & Recreational Sports713940 | 244 | $116.8M | 19.6% | |
| Child Day Care Services624410 | 228 | $339.1M | 8.4% | |
| Full-Service Restaurants722110 | 228 | $105.5M | 25.7% | |
| Snack & Beverage Bars722515 | 137 | $64.5M | 4.8% | |
| Other Personal Care Services812199 | 89 | $30.2M | 12.5% |
Franchise lending volume by year
42'92
67
108
145
104
132'97
76
109
99
98
163'02
142
165
149
105
125'07
143
55
81
110
99'12
131
187
272
287
267'17
311
335
274
422
297'22
320
270
337
54'26
Georgia default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Job velocity = jobs created per $100K loaned.