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Days Inn franchise failure rate and unit turnover: what SBA loan defaults and the FDD show

Days Inn franchisees have taken 810 SBA 7(a) and 504 loans since fiscal 2010, totalling $1.47 billion disbursed. This page reports how many of those loans failed, how Days Inn compares with every other franchise system in the SBA files, and where the failures were. Category: Hotels. Data as of June 30, 2026.

Low

2.9%

of resolved SBA loans approved FY2010-2019 ended in charge-off (11 of 376)

All franchise-coded SBA loans9.5%

All SBA 7(a) and 504 loans7.6%

Days Inn vs franchise-wide0.31x

Charge-offs well below the franchise-wide rate. Ranks at the 35th percentile of 104 brands with 30 or more resolved loans (higher percentile = more charge-offs).

11 of 376 resolved loans approved FY2010-2019 were charged off (2.9%), versus 9.5% for all franchise-coded SBA loans in the same cohorts (0.31x).
Dollars charged off equal 1.3% of dollars disbursed in those cohorts, versus 2.7% franchise-wide.
0 charge-offs so far among 158 loans disbursed since FY2022; most of these loans are still open, so this figure will rise.

Computed from SBA loan records as of June 30, 2026. Verdict date: September 3, 2026.

Days Inn SBA lending at a glance

810SBA loans approved since FY2010

$1.47 billionDollars disbursed since FY2010

11Loans charged off (since FY2010)

$11.1 millionDollars charged off

315Loans still open

$2.2 millionMedian loan size, FY2022-2026

300 moMedian term

46States with loans

149Distinct lenders

Program split since FY2010: 7(a): 684 loans, 504: 126 loans. Loan status as published by SBA: paid in full 412, charged off 11, still open 315, cancelled before disbursement 61.

Charge-off rate by approval year

Days InnAll franchise-coded SBA loans

Share of resolved loans (paid in full or charged off) that ended in charge-off, by the fiscal year the loan was approved. Bars with n under 20 are shown but not reliable.

How much SBA lending Days Inn attracts each year

SBA 7(a) and 504 loans approved per fiscal year for Days Inn franchisees, all statuses including cancelled.

Unit turnover from the franchise disclosure document

Franchised Days Inn outlets went from 1,284 at the start of 2023 to 1,201 at the end of 2025, a net change of -83 (-6.5%). Over those 3 years franchisees opened 102 outlets and 185 left the system through termination, non-renewal, reacquisition by the franchisor, or ceasing operations for other reasons, a cumulative exit rate of 14.4% of the starting base. Company-owned outlets at the end of 2025: 0. This is the franchisor's own count of units, covering every franchised outlet, not only SBA-financed ones, so it complements the loan data above.

Year	Franchised at start	Opened	Left the system	Net change	Net change %	Exit rate	Franchised at end
2023	1,284	37	64	-27	-2.1%	5.0%	1,257
2024	1,257	26	48	-22	-1.8%	3.8%	1,235
2025	1,235	39	73	-34	-2.8%	5.9%	1,201

Source: Item 20 of the DAYS INNS WORLDWIDE INC franchise disclosure document registered with the Wisconsin Department of Financial Institutions, effective 3/31/2026, file 640621, filing record. Table 1 (systemwide outlet summary) and Table 3 (status of franchised outlets); figures are reproduced only where the published rows reconcile arithmetically.

Where Days Inn SBA loans are, and where they failed

Top 8 of 46 states by loan count since FY2010. The top three states hold 25% of the loans.

Project state	Loans	Charged off	Charge-off rate (resolved)	Approved
TX	77	4	9.3%	$159.8 million
GA	67	1	2.9%	$116.2 million
NC	61	0	0.0%	$120.9 million
CA	59	2	5.1%	$150.5 million
FL	44	0	0.0%	$89.7 million
OH	37	0	0.0%	$68.0 million
WA	28	0	0.0%	$80.1 million
PA	27	1	6.2%	$63.5 million

Recent loans, FY2022 to FY2026

179 loans approved since FY2022, $388.8 million disbursed, 0 charged off so far. These loans are young; the rate here will rise as they age and should not be compared with the matured cohorts above.

Among loans that were charged off since FY2010, the median time from approval to charge-off was 55 months, and 18% failed within three years (11 dated charge-offs).

The full Days Inn SBA loan report

Everything on this page plus the parts that let you check the numbers yourself: the loan-level file, the lender-by-lender record, and the largest charge-offs by name.

Every Days Inn SBA loan since FY1991: 1,746 records with borrower, city, state, lender, amount, approval date, status, and charge-off amount (CSV)
Charge-off rate by approval year, 2010 through 2026, in loans and in dollars
All 149 lenders with their Days Inn charge-off record
All 46 states, with rates
The 10 largest charge-offs: borrower, city, lender, amount, date
Median months from approval to charge-off, and the share that failed inside 36 months
New-business versus existing-business mix, 7(a) versus 504, and loan terms
Printable PDF plus the source-file citations for every figure

Get the Days Inn report, $49 See a sample report

Instant download after payment7-day refund if the file is not as describedNo account neededData as of June 30, 2026

Questions this page answers

What does the Days Inn franchise failure rate on this page measure?

The share of SBA 7(a) and 504 loans to Days Inn franchisees that were charged off, meaning SBA wrote the loan off as a loss after default. It measures loan failure, which is the closest public, brand-level proxy for business failure: a franchisee who repays the loan generally stayed in business, and a charge-off almost always follows a closure or sale at a loss.

Is a charge-off the same as a Days Inn location closing?

No. A charge-off means the lender and SBA took a loss on the loan. Most charge-offs involve a closed or sold unit, but a unit can close with the loan repaid, and a loan can be charged off while the unit changes hands. Treat the rate as a screening signal, not a census of closures.

Does this cover every Days Inn location?

No. It covers only units financed with an SBA 7(a) or 504 loan that the lender coded to the Days Inn franchise. Units financed with cash, conventional bank loans, or franchisor financing are not in the data. For Days Inn that is 1,746 loans since FY1991.

Why compare only loans approved FY2010 to FY2019?

Loans need years to resolve. A loan approved in 2023 has mostly not had time to fail or be repaid, so including it would understate the rate. Cohorts approved FY2010-2019 have had at least six and a half years as of June 30, 2026, which is long enough for most failures to appear. Later cohorts are shown separately and labelled immature.

Where do the numbers come from?

Every figure is computed from the SBA's public 7(a) and 504 FOIA loan files, as of June 30, 2026, downloaded from data.sba.gov. The methodology page lists the exact files, the fields used, and the franchise names matched to Days Inn. Nothing is estimated or modelled.

How current is this?

SBA republishes the files quarterly, about a month after each quarter closes. This page was generated on September 3, 2026 from the June 30, 2026 files and is regenerated when SBA publishes the next quarter.

Method, in brief

Failure rate = loans with status charged off divided by loans with status charged off or paid in full, for loans approved FY2010-2019. Loans still open are excluded from the denominator because their outcome is unknown; cancelled and undisbursed loans are excluded because no money moved. The franchise-wide benchmark uses the same formula over every loan in the SBA files that carries a franchise code (39,850 resolved loans). Loans were matched to Days Inn by the SBA FranchiseName field, covering these spellings: DAYS INN (1337); DAYS INN / DAYS INN BY WYNDHAM (402); DAYS INN & SUITES (7). Full detail on the methodology page.

A charge-off is a loan outcome reported by the lender to SBA, not a statement about the franchisor. Units financed without SBA loans are not represented. Small cohorts are noisy: a rate built on fewer than 30 resolved loans is labelled as such and not banded. Missing values are shown as "Not available", never as zero.