SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
Jersey Mike's Subs franchise in Georgia: what the public record shows
Franchisees of Jersey Mike's Subs in Georgia have taken 14 SBA loans since 1991 (average $378,192)— 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 1.9% is the better guide.
Loans in GA
14
Resolved
5
Local charge-off
thin
National charge-off
1.9%
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.
Businesses in this industry
19,682
statewide, all operators
Per 100k residents
176
national 179.9
Versus the country
-2%
thinner
Every business in Jersey Mike's Subs's industry operating in Georgia — 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 GA | Local charge-off | Units in GA |
|---|---|---|---|
| Dunkin Donuts/Baskin-Robbins Co-Brand | 91 | 12.5% | — |
| Zaxby's | 86 | 1.8% | — |
| Marco's Pizza | 73 | 4.2% | — |
| Smoothie King (Health Food Store) | 72 | 14.0% | — |
| Quiznos | 71 | 33.3% | — |
| Bruster'S | 64 | 9.8% | — |
| Jimmy John's | 54 | 0.0% | — |
| Mellow Mushroom | 54 | 5.9% | — |
| Blimpie | 49 | 20.9% | — |
| Philly Connection | 45 | 37.5% | — |
| Atlanta Bread | 39 | 33.3% | — |
| HUDDLE HOUSE | 39 | 25.7% | — |
Same sector, same state, same public records — how Jersey Mike's Subs 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 Jersey Mike's Subs's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →