SBA 7(a)/504 FOIA · FY1991–PRESENT · OHIO
Napa Auto Parts franchise in Ohio: what the public record shows
Franchisees of Napa Auto Parts in Ohio have taken 9 SBA loans since 1991 (average $228,077)— 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 7.4% is the better guide.
Loans in OH
9
Resolved
7
Local charge-off
thin
National charge-off
7.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OH. 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
3,601
statewide, all operators
Per 100k residents
30.3
national 30.2
Versus the country
+0%
denser
Every business in Napa Auto Parts's industry operating in Ohio — 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
$951
Ohio, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
-5%
cheaper to staff
What Napa Auto Parts's industry actually pays workers in Ohio, 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 OH | Local charge-off | Units in OH |
|---|---|---|---|
| Aamco Transmissions | 22 | 11.8% | — |
| Sunoco Service Station | 20 | 5.3% | — |
| Meineke | 19 | 23.1% | — |
| LINE-X | 16 | 0.0% | 6 |
| Maaco Auto Painting Center | 16 | 30.8% | — |
| Tuffy Muffler Center | 13 | 40.0% | — |
| All Tune and Lube | 12 | thin | — |
| Marathon Oil | 12 | thin | — |
| Pirtek | 12 | thin | — |
| Carstar | 11 | thin | — |
| 1-800-Radiator & A/C | 9 | thin | — |
| Goodyear Tire | 7 | thin | — |
Same sector, same state, same public records — how Napa Auto Parts compares to the systems a buyer in Ohio 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 Napa Auto Parts's numbers, including talking you out of a bad deal.