SBA 7(a)/504 FOIA · FY1991–PRESENT · OKLAHOMA
Meineke franchise in Oklahoma: what the public record shows
Franchisees of Meineke in Oklahoma have taken 8 SBA loans since 1991 (average $535,725)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 25.3% is the better guide.
Loans in OK
8
Resolved
5
Local charge-off
thin
National charge-off
25.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OK. 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 of 30 loans.
Businesses in this industry
1,065
statewide, all operators
Per 100k residents
26
national 30.2
Versus the country
-14%
thinner
Every business in Meineke's industry operating in Oklahoma — 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
$884
Oklahoma, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
-12%
cheaper to staff
What Meineke's industry actually pays workers in Oklahoma, 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 OK | Local charge-off | Units in OK |
|---|---|---|---|
| Christian Brothers Automotive | 16 | 0.0% | — |
| Aamco Transmissions | 12 | thin | — |
| Alta Mere Window Tinting & Auto | 12 | 45.5% | — |
| Maaco Auto Painting Center | 9 | thin | — |
| Midas Muffler Shop | 6 | thin | — |
| Cottman Transmission | 5 | thin | — |
Same sector, same state, same public records — how Meineke compares to the systems a buyer in Oklahoma 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.