SBA 7(a)/504 FOIA · FY1991–PRESENT · VIRGINIA
Dogtopia franchise in Virginia: what the public record shows
Franchisees of Dogtopia in Virginia have taken 14 SBA loans since 1991 (average $459,357), and of the 10 loans whose story has ended, 0.0% were charged off — versus 6.0% for Dogtopia nationally and 14.8% across all rateable franchise brands.
Loans in VA
14
Resolved
10
Local charge-off
0.0%
National charge-off
6.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = VA. 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
705
statewide, all operators
Per 100k residents
8
national 7.2
Versus the country
+11%
denser
Every business in Dogtopia's industry operating in 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.
| System | Loans in VA | Local charge-off | Units in VA |
|---|---|---|---|
| Pet Supplies Plus | 7 | thin | — |
Same sector, same state, same public records — how Dogtopia compares to the systems a buyer in Virginia 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 Dogtopia's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →