SBA 7(a)/504 FOIA · FY1991–PRESENT · MASSACHUSETTS
Meineke franchise in Massachusetts: what the public record shows
Franchisees of Meineke in Massachusetts have taken 24 SBA loans since 1991 (average $248,950), and of the 18 loans whose story has ended, 16.7% were charged off — versus 25.3% for Meineke nationally and 14.8% across all rateable franchise brands.
Loans in MA
24
Resolved
18
Local charge-off
16.7%
National charge-off
25.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MA. 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
2,250
statewide, all operators
Per 100k residents
31.5
national 30.2
Versus the country
+4%
denser
Every business in Meineke's industry operating in Massachusetts — 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.
Avg weekly wage, this industry
$1,145
Massachusetts, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
+14%
costlier to staff
What Meineke's industry actually pays workers in Massachusetts, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal 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 MA | Local charge-off | Units in MA |
|---|---|---|---|
| Shell Service Station | 15 | thin | — |
| Midas Muffler Shop | 13 | thin | — |
| Napa Auto Parts | 13 | thin | — |
| Cottman Transmission | 12 | thin | — |
| Aamco Transmissions | 11 | thin | — |
| Exxon | 11 | thin | — |
| Sunoco Service Station | 11 | thin | — |
| Mobil Oil (Stations) | 9 | thin | — |
| Maaco Auto Painting Center | 6 | thin | — |
| Pirtek | 5 | thin | — |
Same sector, same state, same public records — how Meineke compares to the systems a buyer in Massachusetts 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. I'm paid by you — and the job is pressure-testing Meineke's numbers, including talking you out of a bad deal.