SBA 7(a)/504 FOIA · FY1991–PRESENT · OKLAHOMA
D-Bat franchise in Oklahoma: what the public record shows
Franchisees of D-Bat in Oklahoma have taken 5 SBA loans since 1991 (average $1,121,860)— 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 9.3% is the better guide. Its latest FDD Item 20 state table reports 4 franchised outlets in Oklahoma (fiscal 2025) — about 0.1 per 100k residents.
Loans in OK
5
Resolved
2
Local charge-off
thin
National charge-off
9.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OK. 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 | 3 | — |
| 2024 | 3 | — |
| 2025 | 4 | — |
| System | Loans in OK | Local charge-off | Units in OK |
|---|---|---|---|
| Subway | 150 | 6.7% | 276 |
| Matco Tools | 15 | 42.9% | — |
| Golden Corral (Restaurant) | 13 | 20.0% | — |
| Firehouse Subs | 12 | thin | 11 |
| DAIRY QUEEN | 9 | thin | — |
| Fastsigns | 9 | thin | — |
| Minuteman Press | 9 | thin | — |
| Farmers Insurance Agent Appointment Agreement | 8 | thin | — |
| HOTWORX | 8 | thin | 17 |
| JERSEY MIKE'S | 8 | thin | 22 |
| PRECISION TUNE FRANCHISE AGREEMENT | 7 | thin | 9 |
| Uptown Cheapskate | 7 | thin | — |
Same sector, same state, same public records — how D-Bat compares to the systems a buyer in Oklahoma 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 D-Bat's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →