SBA 7(a)/504 FOIA · FY1991–PRESENT · FLORIDA
Pinch a Penny franchise in Florida: what the public record shows
Franchisees of Pinch a Penny in Florida have taken 48 SBA loans since 1991 (average $318,693), and of the 37 loans whose story has ended, 10.8% were charged off — versus 10.5% for Pinch a Penny nationally and 14.8% across all rateable franchise brands.
Loans in FL
48
Resolved
37
Local charge-off
10.8%
National charge-off
10.5%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = FL. 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.
| System | Loans in FL | Local charge-off | Units in FL |
|---|---|---|---|
| THE UPS STORE NON-TRADITIONAL | 179 | 10.3% | 599 |
| Once Upon a Child | 21 | 0.0% | — |
| Golf Etc. | 18 | 52.9% | — |
| Naturals2Go | 18 | thin | — |
| Play It Again Sports (Retail Sports) | 17 | thin | — |
| Foot Solutions | 16 | 71.4% | — |
| Batteries Plus Bulbs | 15 | thin | — |
| Athlete'S Foot | 9 | thin | — |
| Cartridge World | 9 | thin | — |
| Deck the Walls | 9 | thin | — |
| HobbyTown | 8 | thin | — |
| Pro Golf | 8 | thin | — |
Same sector, same state, same public records — how Pinch a Penny compares to the systems a buyer in Florida 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 Pinch a Penny's numbers, including talking you out of a bad deal.
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