SBA 7(a)/504 FOIA · FY1991–PRESENT · TENNESSEE
Christian Brothers Automotive franchise in Tennessee: what the public record shows
Franchisees of Christian Brothers Automotive in Tennessee have taken 15 SBA loans since 1991 (average $316,286), and of the 10 loans whose story has ended, 0.0% were charged off — versus 0.0% for Christian Brothers Automotive nationally and 14.8% across all rateable franchise brands.
Loans in TN
15
Resolved
10
Local charge-off
0.0%
National charge-off
0.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TN. 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
1,645
statewide, all operators
Per 100k residents
22.8
national 30.2
Versus the country
-25%
thinner
Every business in Christian Brothers Automotive's industry operating in Tennessee — 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.
| System | Loans in TN | Local charge-off | Units in TN |
|---|---|---|---|
| Meineke | 17 | 26.7% | — |
| Midas Muffler Shop | 11 | thin | — |
| Exxon | 9 | thin | — |
| All Tune and Lube | 8 | thin | — |
| Maaco Auto Painting Center | 8 | thin | — |
| Milex/ Mr. Transmission | 8 | thin | — |
| Aamco Transmissions | 6 | thin | — |
| Amoco (Gas Station) | 5 | thin | — |
| Maaco Auto Painting & Bodyworks/Maaco Collisi | 5 | thin | — |
Same sector, same state, same public records — how Christian Brothers Automotive compares to the systems a buyer in Tennessee 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 Christian Brothers Automotive's numbers, including talking you out of a bad deal.
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