SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
H&R Block franchise in Missouri: what the public record shows
Franchisees of H&R Block in Missouri have taken 12 SBA loans in the FY1991–present FOIA files (average $247,675). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. H&R Block's national ratio is 0.2×. Its latest FDD Item 20 state table reports 121 franchised outlets in Missouri (fiscal 2019) — about 1.94 per 100k residents.
Loans in MO
12
Charged off (all years)
0 of 10
Loss ratio in MO
—
Loss ratio nationally
0.2×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MO. 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.
Businesses in this industry
586
statewide, all operators
Per 100k residents
9.4
national 8.1
Versus the country
+16%
denser
Every business in H&R Block's industry operating in Missouri — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$1,951
Missouri, BLS QCEW 2025
National average
$1,212
same industry, all states
Versus the country
+61%
costlier to staff
What H&R Block's industry actually pays workers in Missouri, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is independent of the FDD: a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2017 | 128 | 142 |
| 2018 | 132 | 159 |
| 2019 | 121 | 165 |
| System | Loans in MO | Charged off (all years) | Loss ratio in MO | Units in MO |
|---|---|---|---|---|
| THE UPS STORE (TRADITIONAL) | 49 | 0 of 25 | — | 74 |
| Mail Boxes Etc. Usa | 34 | 0 of 25 | — | — |
| Minuteman Press | 13 | 4 of 10 | — | — |
| Liberty Tax Service | 11 | 0 of 10 | — | — |
| Farmers Insurance agency | 10 | 0 of 7 | — | — |
| Fedex Ground | 8 | 2 of 6 | — | — |
| Fastsigns | 7 | 0 of 3 | — | — |
| JACKSON HEWITT TAX SERVICE | 7 | 1 of 6 | — | — |
| ALPHAGRAPHICS | 6 | 0 of 3 | — | 2 |
| Signarama | 6 | 0 of 6 | — | — |
| Allstate Insurance | 5 | 0 of 5 | — | — |
| POSTNET | 5 | 0 of 4 | — | 2 |
Other systems in H&R Block's sector whose franchisees borrowed in Missouri. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
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 H&R Block’s numbers, including talking you out of a bad deal.