SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
Meineke franchise in Missouri: what the public record shows
Franchisees of Meineke in Missouri have taken 14 SBA loans since 1991 (average $243,107), and of the 12 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 MO
14
Resolved
12
Local charge-off
16.7%
National charge-off
25.3%
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.
Businesses in this industry
1,993
statewide, all operators
Per 100k residents
31.9
national 30.2
Versus the country
+6%
denser
Every business in Meineke's industry operating in Missouri — 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 MO | Local charge-off | Units in MO |
|---|---|---|---|
| Conoco Service Station | 19 | 30.8% | — |
| Midas Muffler Shop | 17 | 28.6% | — |
| Aamco Transmissions | 13 | 45.5% | — |
| Maaco Auto Painting Center | 10 | thin | — |
| Cottman Transmission | 8 | thin | — |
| Carstar | 7 | thin | — |
| Christian Brothers Automotive | 7 | thin | — |
| Napa Auto Parts | 7 | thin | — |
| LINE-X | 5 | thin | 3 |
| Phillips 66 | 5 | thin | — |
Same sector, same state, same public records — how Meineke 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 Meineke's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →