SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW YORK
Aamco Transmissions franchise in New York: what the public record shows
Franchisees of Aamco Transmissions in New York have taken 32 SBA loans since 1991 (average $244,196), and of the 23 loans whose story has ended, 26.1% were charged off — versus 28.6% for Aamco Transmissions nationally and 14.8% across all rateable franchise brands.
Loans in NY
32
Resolved
23
Local charge-off
26.1%
National charge-off
28.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NY. 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
6,236
statewide, all operators
Per 100k residents
31.4
national 30.2
Versus the country
+4%
denser
Every business in Aamco Transmissions's industry operating in New York — 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.
Avg weekly wage, this industry
$905
New York, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
-10%
cheaper to staff
What Aamco Transmissions's industry actually pays workers in New York, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal independent of the FDD — a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in NY | Local charge-off | Units in NY |
|---|---|---|---|
| Meineke | 22 | 31.6% | — |
| Midas Muffler Shop | 15 | 9.1% | — |
| Mobil Oil (Stations) | 15 | thin | — |
| Maaco Auto Painting Center | 13 | thin | — |
| Exxon | 11 | thin | — |
| Maaco Auto Painting & Bodyworks/Maaco Collisi | 11 | thin | — |
| Sunoco Service Station | 11 | thin | — |
| Napa Auto Parts | 10 | thin | — |
| Sunoco, LLC (Various Brands) Fuel Supply Agreement | 9 | thin | — |
| Carstar | 6 | thin | — |
Same sector, same state, same public records — how Aamco Transmissions compares to the systems a buyer in New York 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. I'm paid by you — and the job is pressure-testing Aamco Transmissions's numbers, including talking you out of a bad deal.