SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
Children'S Orchard (Retail Clothing) franchise in Missouri: what the public record shows
Franchisees of Children'S Orchard (Retail Clothing) in Missouri have taken 10 SBA loans since 1991 (average $71,500), and of the 10 loans whose story has ended, 0.0% were charged off — versus 15.6% for Children'S Orchard (Retail Clothing) nationally and 14.8% across all rateable franchise brands.
Loans in MO
10
Resolved
10
Local charge-off
0.0%
National charge-off
15.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MO. 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.
| System | Loans in MO | Local charge-off | Units in MO |
|---|---|---|---|
| THE UPS STORE NON-TRADITIONAL | 49 | 0.0% | 74 |
| Play It Again Sports | 15 | 0.0% | — |
| Sears Catalog Store | 13 | 25.0% | — |
| Cartridge World | 8 | thin | — |
| Golf U.S.a. (Retail Golf Equip.) | 8 | thin | — |
| Once Upon a Child | 7 | thin | — |
| Naturals2Go | 6 | thin | — |
| Save - a - Lot | 6 | thin | — |
| Wicks 'N' Sticks | 6 | thin | — |
| FLOWERAMA | 5 | thin | — |
| Piggly Wiggly | 5 | thin | — |
Same sector, same state, same public records — how Children'S Orchard (Retail Clothing) compares to the systems a buyer in Missouri 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 Children'S Orchard (Retail Clothing)'s numbers, including talking you out of a bad deal.