SBA 7(a)/504 FOIA · FY1991–PRESENT · OREGON
Matco Tools franchise in Oregon: what the public record shows
Franchisees of Matco Tools in Oregon have taken 7 SBA loans in the FY1991–present FOIA files (average $67,071). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Matco Tools's national ratio is 1.9×.
Loans in OR
7
Charged off (all years)
3 of 6
Loss ratio in OR
—
Loss ratio nationally
1.9×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OR. 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
1,351
statewide, all operators
Per 100k residents
31.6
national 30.2
Versus the country
+5%
denser
Every business in Matco Tools's industry operating in Oregon — 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
$1,119
Oregon, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
+12%
costlier to staff
What Matco Tools's industry actually pays workers in Oregon, 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 OR | Charged off (all years) | Loss ratio in OR | Units in OR |
|---|---|---|---|---|
| Chevron (Gas Station) | 21 | 3 of 14 | — | — |
| Aamco Transmissions | 11 | 3 of 7 | — | — |
| Arco (Gas Station) | 9 | 0 of 7 | — | — |
| Chevron - Retail Supply Contract | 9 | 0 of 2 | — | — |
| Napa Auto Parts | 8 | 0 of 6 | — | — |
| Shell Service Station | 7 | 0 of 4 | — | — |
| Conoco Service Station | 6 | 0 of 5 | — | — |
| Phillips 66 | 6 | 0 of 4 | — | — |
| BIG O TIRES | 5 | 1 of 5 | — | 1 |
| Cottman Transmission | 5 | 1 of 4 | — | — |
| JIFFY LUBE | 5 | 0 of 4 | — | 36 |
| Snap-On | 5 | 0 of 5 | — | — |
Other systems in Matco Tools's sector whose franchisees borrowed in Oregon. 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 Matco Tools’ numbers, including talking you out of a bad deal.