SBA 7(a)/504 FOIA · FY1991–PRESENT · UTAH
BIG O TIRES franchise in Utah: what the public record shows
Franchisees of BIG O TIRES in Utah have taken 58 SBA loans since 1991 (average $784,053), and of the 38 loans whose story has ended, 2.6% 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 52 franchised outlets in Utah (fiscal 2026) — about 1.48 per 100k residents.
Loans in UT
58
Resolved
38
Local charge-off
2.6%
National charge-off
13.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = UT. 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 | 50 | — |
| 2025 | 50 | — |
| 2026 | 52 | — |
| System | Loans in UT | Local charge-off | Units in UT |
|---|---|---|---|
| Subway | 63 | 4.1% | 169 |
| DAIRY QUEEN | 19 | 25.0% | — |
| ALPHAGRAPHICS | 14 | thin | 15 |
| Blimpie | 14 | 25.0% | — |
| HOTWORX | 13 | thin | 18 |
| ECONO LODGE | 11 | thin | 6 |
| QUALITY INN | 11 | thin | 22 |
| Sport Clips | 11 | 0.0% | 28 |
| MASSAGE ENVY | 10 | thin | 14 |
| Matco Tools | 10 | thin | — |
| EDIBLE ARRANGEMENTS | 8 | thin | 1 |
| JERSEY MIKE'S | 8 | thin | 50 |
Same sector, same state, same public records — how BIG O TIRES compares to the systems a buyer in Utah 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.