SBA 7(a)/504 FOIA · FY1991–PRESENT · COLORADO
BIG O TIRES franchise in Colorado: what the public record shows
Franchisees of BIG O TIRES in Colorado have taken 82 SBA loans since 1991 (average $692,474), and of the 58 loans whose story has ended, 10.3% 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 70 franchised outlets in Colorado (fiscal 2026) — about 1.18 per 100k residents.
Loans in CO
82
Resolved
58
Local charge-off
10.3%
National charge-off
13.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CO. 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 | 69 | — |
| 2025 | 69 | — |
| 2026 | 70 | — |
| System | Loans in CO | Local charge-off | Units in CO |
|---|---|---|---|
| Subway | 76 | 6.7% | 271 |
| DAIRY QUEEN | 44 | 15.2% | — |
| Fastsigns | 22 | 11.8% | — |
| Firehouse Subs | 21 | 16.7% | 26 |
| Matco Tools | 21 | 40.0% | — |
| HOTWORX | 20 | thin | 23 |
| Sport Clips | 17 | 9.1% | 52 |
| Home Instead | 13 | thin | 12 |
| RODEWAY INN | 13 | thin | 6 |
| SCENTHOUND | 12 | thin | 8 |
| Alphagraphics, Printshops of the Futu | 11 | thin | — |
| SERVICEMASTER RESTORE | 11 | thin | 35 |
Same sector, same state, same public records — how BIG O TIRES compares to the systems a buyer in Colorado 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. An independent CPA is paid by you — and the job is pressure-testing BIG O TIRES's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →