SBA 7(a)/504 FOIA · FY1991–PRESENT · OHIO
PETLAND franchise in Ohio: what the public record shows
Franchisees of PETLAND in Ohio have taken 41 SBA loans in the FY1991–present FOIA files (average $390,844). Those approved through FY2020 defaulted more often than franchise loans made in the same years nationally: 15 charge-offs among 35 resolved loans, where about 7.2 would be expected (2.1×). PETLAND's national ratio is 2.1×. Its latest FDD Item 20 state table reports 5 franchised outlets in Ohio (fiscal 2025) — about 0.04 per 100k residents.
Loans in OH
41
Charged off (all years)
15 of 35
Loss ratio in OH
2.1×
Loss ratio nationally
2.1×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OH. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
810
statewide, all operators
Per 100k residents
6.8
national 7.2
Versus the country
-6%
thinner
Every business in PETLAND'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 the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$535
Ohio, BLS QCEW 2025
National average
$620
same industry, all states
Versus the country
-14%
cheaper to staff
What PETLAND'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 cost signal is 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 5 | 17 |
| 2024 | 6 | 15 |
| 2025 | 5 | 12 |
| System | Loans in OH | Charged off (all years) | Loss ratio in OH | Units in OH |
|---|---|---|---|---|
| Camp Bow Wow | 21 | 0 of 9 | — | — |
| Pet Supplies Plus | 11 | 0 of 3 | — | — |
Other systems in PETLAND's sector whose franchisees borrowed in Ohio. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing PETLAND’s numbers, including talking you out of a bad deal.