SBA 7(a)/504 FOIA · FY1991–PRESENT · KENTUCKY
HUDDLE HOUSE franchise in Kentucky: what the public record shows
Franchisees of HUDDLE HOUSE in Kentucky have taken 13 SBA loans since 1991 (average $272,261), and of the 13 loans whose story has ended, 7.7% were charged off — versus 25.9% for HUDDLE HOUSE nationally and 14.8% across all rateable franchise brands.
Loans in KY
13
Resolved
13
Local charge-off
7.7%
National charge-off
25.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = KY. 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.
Businesses in this industry
6,831
statewide, all operators
Per 100k residents
148.9
national 179.9
Versus the country
-17%
thinner
Every business in HUDDLE HOUSE's industry operating in Kentucky — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in KY | Local charge-off | Units in KY |
|---|---|---|---|
| Quiznos | 25 | 52.4% | — |
| Jimmy John's | 17 | thin | — |
| Biggby Coffee | 15 | thin | — |
| Dunkin Donuts/Baskin-Robbins Co-Brand | 14 | thin | — |
| Mellow Mushroom | 14 | thin | — |
| Zaxby's | 14 | 0.0% | — |
| Culver's | 13 | thin | — |
| Little Ceasar'S Pizza | 12 | 0.0% | — |
| Papa Johns | 11 | thin | — |
| Smoothie King (Health Food Store) | 9 | thin | — |
| Cold Stone Creamery | 8 | thin | — |
| Schlotzsky'S Sandwich Shop | 8 | thin | — |
Same sector, same state, same public records — how HUDDLE HOUSE compares to the systems a buyer in Kentucky 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 HUDDLE HOUSE's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →