SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
CERTA PROPAINTERS franchise in Georgia: what the public record shows
Franchisees of CERTA PROPAINTERS in Georgia have taken 12 SBA loans since 1991 (average $533,541)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 15.8% is the better guide. Its latest FDD Item 20 state table reports 15 franchised outlets in Georgia (fiscal 2025) — about 0.13 per 100k residents.
Loans in GA
12
Resolved
8
Local charge-off
thin
National charge-off
15.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 15 | 0 |
| 2024 | 15 | 0 |
| 2025 | 15 | 0 |
| System | Loans in GA | Local charge-off | Units in GA |
|---|---|---|---|
| Subway | 119 | 5.9% | 634 |
| DAIRY QUEEN | 89 | 7.7% | — |
| Firehouse Subs | 54 | 2.4% | 93 |
| Matco Tools | 33 | 16.1% | — |
| HOTWORX | 31 | 0.0% | 34 |
| EDIBLE ARRANGEMENTS | 22 | 6.3% | 31 |
| Fastsigns | 21 | 23.1% | — |
| Sport Clips | 21 | 0.0% | 60 |
| BEEF O' BRADY'S FAMILY SPORTS PUBS | 19 | 83.3% | 4 |
| MASSAGE ENVY | 18 | 23.5% | 30 |
| Allstate Insurance | 17 | 14.3% | — |
| Plato'S Closet | 16 | thin | — |
Same sector, same state, same public records — how CERTA PROPAINTERS compares to the systems a buyer in Georgia would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing CERTA PROPAINTERS's numbers, including talking you out of a bad deal.
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