SBA 7(a)/504 FOIA · FY1991–PRESENT · KENTUCKY
GLASS DOCTOR franchise in Kentucky: what the public record shows
Franchisees of GLASS DOCTOR in Kentucky have taken 5 SBA loans since 1991 (average $220,880)— 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 32.4% is the better guide. Its latest FDD Item 20 state table reports 2 franchised outlets in Kentucky (fiscal 2025) — about 0.04 per 100k residents.
Loans in KY
5
Resolved
3
Local charge-off
thin
National charge-off
32.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = KY. 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
1,096
statewide, all operators
Per 100k residents
23.9
national 39.6
Versus the country
-40%
thinner
Every business in GLASS DOCTOR's industry operating in Kentucky — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 2 | 0 |
| 2024 | 2 | 0 |
| 2025 | 2 | 0 |
| System | Loans in KY | Local charge-off | Units in KY |
|---|---|---|---|
| Ace Hardware | 13 | 0.0% | — |
Same sector, same state, same public records — how GLASS DOCTOR compares to the systems a buyer in Kentucky would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
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