SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
BIG O TIRES franchise in Arizona: what the public record shows
Franchisees of BIG O TIRES in Arizona have taken 76 SBA loans since 1991 (average $647,146), and of the 57 loans whose story has ended, 12.3% were charged off — versus 13.4% for BIG O TIRES nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 74 franchised outlets in Arizona (fiscal 2026) — about 0.98 per 100k residents.
Loans in AZ
76
Resolved
57
Local charge-off
12.3%
National charge-off
13.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AZ. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2024 | 66 | — |
| 2025 | 67 | — |
| 2026 | 74 | — |
| System | Loans in AZ | Local charge-off | Units in AZ |
|---|---|---|---|
| DAIRY QUEEN | 79 | 9.8% | — |
| Subway | 68 | 3.3% | 355 |
| QUALITY INN | 25 | 6.3% | 16 |
| Home Instead | 21 | 6.3% | 13 |
| Matco Tools | 21 | 35.0% | — |
| ALPHAGRAPHICS | 19 | 31.3% | 14 |
| POSTNET | 19 | 11.1% | 13 |
| ROBEKS | 18 | 27.3% | 14 |
| ECONO LODGE | 16 | 9.1% | 6 |
| SERVICEMASTER RESTORE | 16 | thin | 27 |
| RODEWAY INN | 14 | thin | 14 |
| JERSEY MIKE'S | 12 | 0.0% | 88 |
Same sector, same state, same public records — how BIG O TIRES compares to the systems a buyer in Arizona 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 BIG O TIRES's numbers, including talking you out of a bad deal.