SBA 7(a)/504 FOIA · FY1991–PRESENT · ALABAMA
Matco Tools franchise in Alabama: what the public record shows
Franchisees of Matco Tools in Alabama have taken 13 SBA loans since 1991 (average $90,184), and of the 12 loans whose story has ended, 50.0% were charged off — versus 34.7% for Matco Tools nationally and 14.8% across all rateable franchise brands.
Loans in AL
13
Resolved
12
Local charge-off
50.0%
National charge-off
34.7%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AL. 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.
| System | Loans in AL | Local charge-off | Units in AL |
|---|---|---|---|
| Subway | 68 | 7.1% | 379 |
| DAIRY QUEEN | 36 | 23.1% | — |
| Firehouse Subs | 10 | thin | 36 |
| BEEF O' BRADY'S FAMILY SPORTS PUBS | 9 | thin | 10 |
| HOTWORX | 9 | thin | 16 |
| Steak-Out | 8 | thin | — |
| Bin There Dump That | 7 | thin | — |
| D-Bat | 7 | thin | 7 |
| Sport Clips | 6 | thin | 26 |
| Pink Zebra Moving | 5 | thin | 3 |
| Rainbow Restoration | 5 | thin | — |
| Sears Catalog Store | 5 | thin | — |
Same sector, same state, same public records — how Matco Tools compares to the systems a buyer in Alabama 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 Matco Tools's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →