SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
MASSAGE ENVY franchise in Missouri: what the public record shows
Franchisees of MASSAGE ENVY in Missouri have taken 22 SBA loans in the FY1991–present FOIA files (average $380,868). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. MASSAGE ENVY's national ratio is 0.5×. Its latest FDD Item 20 state table reports 15 franchised outlets in Missouri (fiscal 2025) — about 0.24 per 100k residents.
Loans in MO
22
Charged off (all years)
0 of 14
Loss ratio in MO
—
Loss ratio nationally
0.5×
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
1,397
statewide, all operators
Per 100k residents
22.4
national 11.6
Versus the country
+93%
denser
Every business in MASSAGE ENVY'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
$874
Missouri, BLS QCEW 2025
National average
$806
same industry, all states
Versus the country
+8%
costlier to staff
What MASSAGE ENVY'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 |
|---|---|---|
| 2023 | 15 | 0 |
| 2024 | 15 | 0 |
| 2025 | 15 | 0 |
| System | Loans in MO | Charged off (all years) | Loss ratio in MO | Units in MO |
|---|---|---|---|---|
| Medicine Shoppe | 10 | 0 of 6 | — | — |
| ELLIE MENTAL HEALTH | 8 | — | — | — |
| Fyzical | 8 | — | — | 4 |
| MassageLuxe | 6 | 0 of 4 | — | 17 |
| Gameday Men's Health | 5 | 0 of 2 | — | — |
| Heights Wellness Retreat | 5 | 0 of 3 | — | 4 |
Other systems in MASSAGE ENVY'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 MASSAGE ENVY’s numbers, including talking you out of a bad deal.