SBA 7(a)/504 FOIA · FY1991–PRESENT · PUERTO RICO
Curves for Women franchise in Puerto Rico: what the public record shows
Franchisees of Curves for Women in Puerto Rico have taken 5 SBA loans in the FY1991–present FOIA files (average $71,600). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Curves for Women's national ratio is 0.8× (not clearly different from 1.0×).
Loans in PR
5
Charged off (all years)
1 of 3
Loss ratio in PR
—
Loss ratio nationally (not clear)
0.8×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PR. 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.
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 Curves for Women’s numbers, including talking you out of a bad deal.