SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW MEXICO
BIG O TIRES franchise in New Mexico: what the public record shows
Franchisees of BIG O TIRES in New Mexico have taken 23 SBA loans since 1991 (average $646,520), and of the 12 loans whose story has ended, 8.3% 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 20 franchised outlets in New Mexico (fiscal 2026) — about 0.94 per 100k residents.
Loans in NM
23
Resolved
12
Local charge-off
8.3%
National charge-off
13.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NM. 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 | 18 | — |
| 2025 | 19 | — |
| 2026 | 20 | — |
| System | Loans in NM | Local charge-off | Units in NM |
|---|---|---|---|
| Subway | 43 | 6.5% | 131 |
| DAIRY QUEEN | 16 | 0.0% | — |
| Fastsigns | 6 | thin | — |
| Matco Tools | 6 | thin | — |
| RODEWAY INN | 6 | thin | 10 |
| Wyndham | 6 | thin | 0 |
| Alphagraphics, Printshops of the Futu | 5 | thin | — |
| Radioshack | 5 | thin | — |
Same sector, same state, same public records — how BIG O TIRES compares to the systems a buyer in New Mexico 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 →