SBA 7(a)/504 FOIA · FY1991–PRESENT · ARKANSAS
HEALTH MART franchise in Arkansas: what the public record shows
Franchisees of HEALTH MART in Arkansas have taken 6 SBA loans since 1991 (average $789,000)— 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 9.4% is the better guide. Its latest FDD Item 20 state table reports 104 franchised outlets in Arkansas (fiscal 2026) — about 3.37 per 100k residents.
Loans in AR
6
Resolved
5
Local charge-off
thin
National charge-off
9.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AR. 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
247
statewide, all operators
Per 100k residents
8
national 11.6
Versus the country
-31%
thinner
Every business in HEALTH MART's industry operating in Arkansas — 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 |
|---|---|---|
| 2024 | 95 | — |
| 2025 | 88 | — |
| 2026 | 104 | — |
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