SBA 7(a)/504 FOIA · FY1991–PRESENT · WISCONSIN
CENTRAL BARK franchise in Wisconsin: what the public record shows
Franchisees of CENTRAL BARK in Wisconsin have taken 23 SBA loans since 1991 (average $398,808), and of the 15 loans whose story has ended, 6.7% were charged off — versus 12.0% for CENTRAL BARK nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 14 franchised outlets in Wisconsin (fiscal 2025) — about 0.23 per 100k residents.
Loans in WI
23
Resolved
15
Local charge-off
6.7%
National charge-off
12.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = WI. 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.
Businesses in this industry
520
statewide, all operators
Per 100k residents
8.7
national 7.2
Versus the country
+21%
denser
Every business in CENTRAL BARK's industry operating in Wisconsin — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 15 | — |
| 2024 | 15 | — |
| 2025 | 14 | — |
| System | Loans in WI | Local charge-off | Units in WI |
|---|---|---|---|
| Pet Supplies Plus | 11 | thin | — |
| Dogtopia | 10 | thin | — |
Same sector, same state, same public records — how CENTRAL BARK compares to the systems a buyer in Wisconsin 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 CENTRAL BARK's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →