SBA 7(a)/504 FOIA · FY1991–PRESENT · NEW JERSEY
Moto Photo franchise in New Jersey: what the public record shows
Franchisees of Moto Photo in New Jersey have taken 10 SBA loans since 1991 (average $108,710), and of the 10 loans whose story has ended, 10.0% were charged off — versus 26.2% for Moto Photo nationally and 14.8% across all rateable franchise brands.
Loans in NJ
10
Resolved
10
Local charge-off
10.0%
National charge-off
26.2%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = NJ. 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.
| System | Loans in NJ | Local charge-off | Units in NJ |
|---|---|---|---|
| Subway | 188 | 17.1% | 140 |
| Blimpie | 35 | 17.9% | — |
| Matco Tools | 32 | 21.9% | — |
| DAIRY QUEEN | 28 | 15.0% | — |
| EDIBLE ARRANGEMENTS | 26 | 14.3% | 43 |
| JERSEY MIKE'S | 21 | 0.0% | 140 |
| Fastsigns | 19 | 8.3% | — |
| ALPHAGRAPHICS | 14 | 9.1% | 8 |
| Sir Speedy Printing | 14 | thin | 4 |
| MASSAGE ENVY | 13 | 9.1% | 38 |
| QUALITY INN | 12 | thin | 11 |
| CODE NINJAS | 11 | thin | 17 |
Same sector, same state, same public records — how Moto Photo compares to the systems a buyer in New Jersey 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 Moto Photo's numbers, including talking you out of a bad deal.