SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
Maaco franchise in Missouri: what the public record shows
Franchisees of Maaco in Missouri have taken 10 SBA loans in the FY1991–present FOIA files (average $404,675). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Maaco's national ratio is 1.0× (not clearly different from 1.0×).
Loans in MO
10
Charged off (all years)
2 of 9
Loss ratio in MO
—
Loss ratio nationally (not clear)
1.0×
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
1,993
statewide, all operators
Per 100k residents
31.9
national 30.2
Versus the country
+6%
denser
Every business in Maaco'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
$978
Missouri, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
-2%
cheaper to staff
What Maaco'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.
| System | Loans in MO | Charged off (all years) | Loss ratio in MO | Units in MO |
|---|---|---|---|---|
| Matco Tools | 26 | 5 of 21 | — | — |
| Conoco Service Station | 19 | 4 of 13 | — | — |
| Meineke | 14 | 2 of 12 | — | — |
| Midas Muffler Shop | 14 | 4 of 11 | — | — |
| Aamco Transmissions | 13 | 5 of 11 | — | — |
| Snap-On | 9 | 0 of 7 | — | — |
| Cottman Transmission | 8 | 0 of 7 | — | — |
| Carstar | 7 | 0 of 6 | — | — |
| Christian Brothers Automotive | 7 | 0 of 7 | — | — |
| Ford Motor (Dealers) | 7 | 1 of 3 | — | — |
| Napa Auto Parts | 7 | 2 of 5 | — | — |
| Chrysler | 6 | 0 of 6 | — | — |
Other systems in Maaco'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 Maaco’s numbers, including talking you out of a bad deal.