1000 Degrees Pizzeria

How franchisees’ loans performed

Every SBA-guaranteed loan to a 1000 Degrees Pizzeria franchisee approved between 2016–2021. This is the only public record of what happened to people who actually bought this franchise — the disclosure document does not report it.

Rates below count only finished loans — ones that have been repaid in full or written off. A loan still being repaid has not succeeded yet, and counting it as though it had would make every brand look better than it is.

Loans on record

29

Finished — repaid or written off

20

Outcome withheld by SBA

6

Median loan approved

$330,000

By dollar rather than by loan: SBA wrote off $3,531,112 of the $5,709,900 it lent on finished loans — 61.8%, against 75.0% by count. The two differ because failures are not the same size as successes, and because a default late in the term recovers most of the loan. Neither is the truer figure; they answer different questions.

Source: U.S. Small Business Administration 7(a) FOIA disclosure data. A loan is counted only once it has been repaid in full or charged off — loans still running are neither a success nor a failure, and counting them as repaid would flatter every brand here. Loans whose status SBA withheld are excluded from the figures above and shown separately. The median is the loan approved, not the cost of opening — most projects are financed with additional capital.