SBA 7(a)/504 FOIA · FY1991–PRESENT · UTAH
Papa Murphy'S Take & Bake Pizza franchise in Utah: what the public record shows
Franchisees of Papa Murphy'S Take & Bake Pizza in Utah have taken 25 SBA loans since 1991 (average $122,608), and of the 22 loans whose story has ended, 0.0% were charged off — versus 6.2% for Papa Murphy'S Take & Bake Pizza nationally and 14.8% across all rateable franchise brands.
Loans in UT
25
Resolved
22
Local charge-off
0.0%
National charge-off
6.2%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = UT. 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
5,452
statewide, all operators
Per 100k residents
155.6
national 179.9
Versus the country
-14%
thinner
Every business in Papa Murphy'S Take & Bake Pizza's industry operating in Utah — 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 UT | Local charge-off | Units in UT |
|---|---|---|---|
| Culver's | 24 | 0.0% | — |
| Quiznos | 22 | 42.1% | — |
| FiiZ Drinks | 20 | thin | — |
| Cold Stone Creamery | 18 | 0.0% | — |
| Blimpie | 14 | 25.0% | — |
| Domino's Pizza | 13 | thin | — |
| Arby's | 12 | 40.0% | — |
| GREAT HARVEST BREAD CO. | 12 | thin | — |
| Taco Maker | 12 | 27.3% | — |
| Rocky Mountain Chocolate Factory | 9 | thin | — |
| Taco Del Mar | 9 | thin | — |
| Jersey Mike's Subs | 8 | thin | — |
Same sector, same state, same public records — how Papa Murphy'S Take & Bake Pizza compares to the systems a buyer in Utah 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 Papa Murphy'S Take & Bake Pizza's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →