SBA 7(a)/504 FOIA · FY1991–PRESENT · INDIANA
SCOOTER'S COFFEE franchise in Indiana: what the public record shows
Franchisees of SCOOTER'S COFFEE in Indiana have taken 12 SBA loans since 1991 (average $1,368,525)— 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 4.9% is the better guide. Its latest FDD Item 20 state table reports 16 franchised outlets in Indiana (fiscal 2024) — about 0.23 per 100k residents.
Loans in IN
12
Resolved
1
Local charge-off
thin
National charge-off
4.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = IN. 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
11,431
statewide, all operators
Per 100k residents
165.1
national 179.9
Versus the country
-8%
thinner
Every business in SCOOTER'S COFFEE's industry operating in Indiana — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2022 | 2 | 4 |
| 2023 | 14 | 1 |
| 2024 | 16 | 1 |
| System | Loans in IN | Local charge-off | Units in IN |
|---|---|---|---|
| Jimmy John's | 51 | 0.0% | — |
| Culver's | 49 | 9.4% | — |
| Quiznos | 41 | 14.3% | — |
| Biggby Coffee | 38 | 0.0% | — |
| Ritter'S Frozen Custard | 36 | 26.9% | — |
| Blimpie | 32 | 44.4% | — |
| Domino's Pizza | 30 | 4.5% | — |
| Smoothie King (Health Food Store) | 24 | 0.0% | — |
| Little Caesar Pizza | 16 | 7.1% | — |
| Nothing Bundt Cakes | 16 | thin | — |
| Arby's | 14 | 0.0% | — |
| Cold Stone Creamery | 14 | thin | — |
Same sector, same state, same public records — how SCOOTER'S COFFEE compares to the systems a buyer in Indiana 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 SCOOTER'S COFFEE's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →