SBA 7(a)/504 FOIA · FY1991–PRESENT · WASHINGTON
Ampm Mini Market- Arco franchise in Washington: what the public record shows
Franchisees of Ampm Mini Market- Arco in Washington have taken 5 SBA loans in the FY1991–present FOIA files (average $1,337,800). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Ampm Mini Market- Arco's national ratio is 0×.
Loans in WA
5
Charged off (all years)
0 of 3
Loss ratio in WA
—
Loss ratio nationally
0×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = WA. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
2,152
statewide, all operators
Per 100k residents
27
national 30.2
Versus the country
-11%
thinner
Every business in Ampm Mini Market- Arco's industry operating in Washington — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$1,184
Washington, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
+18%
costlier to staff
What Ampm Mini Market- Arco's industry actually pays workers in Washington, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is 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 WA | Charged off (all years) | Loss ratio in WA | Units in WA |
|---|---|---|---|---|
| Chevron (Gas Station) | 65 | 2 of 47 | 0.3× | — |
| Chevron - Retail Supply Contract | 37 | 0 of 10 | — | — |
| Shell Service Station | 32 | 1 of 21 | — | — |
| Phillips 66 | 30 | 0 of 11 | — | — |
| Arco (Gas Station) | 25 | 0 of 16 | — | — |
| Texaco Service Station | 23 | 1 of 16 | — | — |
| Grease Monkey | 18 | 1 of 11 | — | — |
| Union 76 Oil | 16 | 1 of 13 | — | — |
| Aamco Transmissions | 14 | 3 of 11 | — | — |
| BIG O TIRES | 14 | 0 of 6 | — | 7 |
| Conoco Service Station | 13 | 1 of 10 | — | — |
| Maaco | 12 | 0 of 7 | — | — |
Other systems in Ampm Mini Market- Arco's sector whose franchisees borrowed in Washington. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Ampm Mini Market- Arco’s numbers, including talking you out of a bad deal.