SBA 7(a)/504 FOIA · FY1991–PRESENT · ARIZONA
Meineke franchise in Arizona: what the public record shows
Franchisees of Meineke in Arizona have taken 13 SBA loans since 1991 (average $468,815), and of the 10 loans whose story has ended, 0.0% were charged off — versus 25.3% for Meineke nationally and 14.8% across all rateable franchise brands.
Loans in AZ
13
Resolved
10
Local charge-off
0.0%
National charge-off
25.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = AZ. 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.
Businesses in this industry
2,078
statewide, all operators
Per 100k residents
27.4
national 30.2
Versus the country
-9%
thinner
Every business in Meineke's industry operating in Arizona — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in AZ | Local charge-off | Units in AZ |
|---|---|---|---|
| Chevron (Gas Station) | 27 | 22.2% | — |
| Exxon | 22 | thin | — |
| Maaco Auto Painting Center | 22 | 0.0% | — |
| Christian Brothers Automotive | 13 | thin | — |
| Cottman Transmission | 13 | 38.5% | — |
| Midas Muffler Shop | 11 | thin | — |
| Arco (Gas Station) | 10 | thin | — |
| Grease Monkey | 10 | thin | — |
| Aamco Transmissions | 9 | thin | — |
| Texaco Service Station | 9 | thin | — |
| Shell Service Station | 8 | thin | — |
| Econo Lub N Tune | 7 | thin | — |
Same sector, same state, same public records — how Meineke compares to the systems a buyer in Arizona 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 Meineke's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →