SCHLOTZSKY'S: how its 63 SBA loans actually performed
Limited-Service Restaurants · 63 units financed with SBA 7(a) loans since 2010 · 36 lenders have funded this brand.
Defaults run above the SBA-wide average
3 of 38 seasoned units charged off — 7.9%, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| BancFirst | 8 |
| JPMorgan Chase Bank, National Association | 7 |
| Simmons Bank | 5 |
| United Community Bank | 4 |
| Community National Bank & Trust | 3 |
| The Huntington National Bank | 3 |
36 lenders have funded SCHLOTZSKY'S since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
SCHLOTZSKY'S is a smaller-sample brand: 38 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 38 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many SCHLOTZSKY'S SBA loans have defaulted?
3 of 38 seasoned SCHLOTZSKY'S SBA 7(a) loans charged off within seven years — a 7.9% default rate, against 5.7% across all SBA 7(a) loans.
Is a SCHLOTZSKY'S franchise a safe SBA loan bet?
By the numbers its default rate is above the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 38 loans it is a smaller sample than our flagship brands.
Which lenders fund SCHLOTZSKY'S franchises?
36 lenders have made SBA loans to SCHLOTZSKY'S since 2010, led by BancFirst.