SBA 7(a)/504 FOIA · FY1991–PRESENT · MASSACHUSETTS
Children'S Orchard (Retail Clothing) franchise in Massachusetts: what the public record shows
Franchisees of Children'S Orchard (Retail Clothing) in Massachusetts have taken 8 SBA loans in the FY1991–present FOIA files (average $50,625). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Children'S Orchard (Retail Clothing)'s national ratio is 0.8× (not clearly different from 1.0×).
Loans in MA
8
Charged off (all years)
0 of 8
Loss ratio in MA
—
Loss ratio nationally (not clear)
0.8×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MA. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
| System | Loans in MA | Charged off (all years) | Loss ratio in MA | Units in MA |
|---|---|---|---|---|
| Ace Hardware | 15 | 0 of 7 | — | — |
| Taylor Rental Center | 13 | 0 of 11 | — | — |
| Play It Again Sports | 11 | 0 of 9 | — | — |
| Kabloom | 9 | 1 of 8 | — | — |
| 24 Seven Vending | 8 | 3 of 6 | — | — |
| True Value Hardware | 8 | 0 of 4 | — | — |
Other systems in Children'S Orchard (Retail Clothing)'s sector whose franchisees borrowed in Massachusetts. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing Children'S Orchard (Retail Clothing)’s numbers, including talking you out of a bad deal.