SBA 7(a)/504 FOIA · FY1991–PRESENT · KANSAS
CERTA PROPAINTERS franchise in Kansas: what the public record shows
Franchisees of CERTA PROPAINTERS in Kansas have taken 5 SBA loans since 1991 (average $205,160)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 15.8% is the better guide. Its latest FDD Item 20 state table reports 2 franchised outlets in Kansas (fiscal 2025) — about 0.07 per 100k residents.
Loans in KS
5
Resolved
3
Local charge-off
thin
National charge-off
15.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = KS. 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 of 30 loans.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 2 | 0 |
| 2024 | 2 | 0 |
| 2025 | 2 | 0 |
| System | Loans in KS | Local charge-off | Units in KS |
|---|---|---|---|
| DAIRY QUEEN | 64 | 9.6% | — |
| Subway | 46 | 7.7% | 194 |
| Matco Tools | 12 | 8.3% | — |
| PETLAND | 12 | 63.6% | 3 |
| Firehouse Subs | 10 | thin | 10 |
| Sears Catalog Store | 10 | thin | — |
| H&R Block | 8 | thin | 71 |
| Allstate Insurance | 7 | thin | — |
| SERVICEMASTER RESTORE | 7 | thin | 25 |
| Budget Blinds | 6 | thin | — |
| Golden Corral (Restaurant) | 6 | thin | — |
| PITA PIT | 6 | thin | 5 |
Same sector, same state, same public records — how CERTA PROPAINTERS compares to the systems a buyer in Kansas 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 CERTA PROPAINTERS's numbers, including talking you out of a bad deal.
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