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 since 1991 (average $380,868), and of the 14 loans whose story has ended, 0.0% were charged off — versus 8.6% for MASSAGE ENVY nationally and 14.8% across all rateable franchise brands. 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
Resolved
14
Local charge-off
0.0%
National charge-off
8.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MO. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 15 | 0 |
| 2024 | 15 | 0 |
| 2025 | 15 | 0 |
| System | Loans in MO | Local charge-off | Units in MO |
|---|---|---|---|
| Subway | 117 | 4.3% | 405 |
| DAIRY QUEEN | 96 | 8.2% | — |
| Matco Tools | 26 | 23.8% | — |
| Golden Corral (Restaurant) | 17 | 9.1% | — |
| Firehouse Subs | 14 | 0.0% | 25 |
| Minuteman Press | 13 | 40.0% | — |
| Radioshack | 13 | 36.4% | — |
| Sears Catalog Store | 13 | 25.0% | — |
| H&R Block | 12 | 0.0% | 121 |
| PETLAND | 12 | 45.5% | 6 |
| Computer Renaissance | 11 | thin | — |
| Captain D's | 10 | thin | 12 |
Same sector, same state, same public records — how MASSAGE ENVY compares to the systems a buyer in Missouri would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing MASSAGE ENVY's numbers, including talking you out of a bad deal.
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