SBA 7(a)/504 FOIA · FY1991–PRESENT · COLORADO
Pearle Vision franchise in Colorado: what the public record shows
Franchisees of Pearle Vision in Colorado have taken 12 SBA loans since 1991 (average $404,991), and of the 10 loans whose story has ended, 0.0% were charged off — versus 6.6% for Pearle Vision nationally and 14.8% across all rateable franchise brands.
Loans in CO
12
Resolved
10
Local charge-off
0.0%
National charge-off
6.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CO. 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
603
statewide, all operators
Per 100k residents
10.1
national 11.6
Versus the country
-13%
thinner
Every business in Pearle Vision's industry operating in Colorado — 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
$1,004
Colorado, BLS QCEW 2025
National average
$806
same industry, all states
Versus the country
+25%
costlier to staff
What Pearle Vision's industry actually pays workers in Colorado, 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 CO | Local charge-off | Units in CO |
|---|---|---|---|
| 100% Chiropractic | 11 | thin | — |
| AFC/AMERICAN FAMILY CARE | 8 | thin | 24 |
| THE JOINT CHIROPRACTIC (RD) | 6 | thin | — |
| Gameday Men's Health | 5 | thin | — |
| Success On The Spectrum | 5 | thin | — |
Same sector, same state, same public records — how Pearle Vision compares to the systems a buyer in Colorado 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 Pearle Vision's numbers, including talking you out of a bad deal.