SBA 7(a)/504 FOIA · FY1991–PRESENT · MINNESOTA
Napa Auto Parts franchise in Minnesota: what the public record shows
Franchisees of Napa Auto Parts in Minnesota have taken 29 SBA loans since 1991 (average $263,800), and of the 26 loans whose story has ended, 3.8% were charged off — versus 7.4% for Napa Auto Parts nationally and 14.8% across all rateable franchise brands.
Loans in MN
29
Resolved
26
Local charge-off
3.8%
National charge-off
7.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MN. 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
1,915
statewide, all operators
Per 100k residents
33.1
national 30.2
Versus the country
+10%
denser
Every business in Napa Auto Parts's industry operating in Minnesota — 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 MN | Local charge-off | Units in MN |
|---|---|---|---|
| Tires Plus | 17 | 0.0% | — |
| Amoco (Gas Station) | 12 | 18.2% | — |
| Maaco Auto Painting Center | 10 | thin | — |
| Midas Muffler Shop | 10 | thin | — |
| All Tune and Lube | 8 | thin | — |
| Valvoline Instant Oil Change | 8 | thin | — |
| Meineke | 7 | thin | — |
| Pirtek | 7 | thin | — |
| World Fuel Services, Inc Wholesale Supply Agreement | 7 | thin | — |
| Christian Brothers Automotive | 5 | thin | — |
| Cottman Transmission | 5 | thin | — |
| Maaco Auto Painting & Bodyworks/Maaco Collisi | 5 | thin | — |
Same sector, same state, same public records — how Napa Auto Parts compares to the systems a buyer in Minnesota 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 Napa Auto Parts's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →