SBA 7(a)/504 FOIA · FY1991–PRESENT · WEST VIRGINIA
Cottman Transmission franchise in West Virginia: what the public record shows
Franchisees of Cottman Transmission in West Virginia have taken 6 SBA loans since 1991 (average $111,516)— 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 36.1% is the better guide.
Loans in WV
6
Resolved
5
Local charge-off
thin
National charge-off
36.1%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = WV. 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.
Businesses in this industry
494
statewide, all operators
Per 100k residents
27.9
national 30.2
Versus the country
-8%
thinner
Every business in Cottman Transmission's industry operating in West Virginia — 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.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing Cottman Transmission's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →