SBA 7(a)/504 FOIA · FY1991–PRESENT · MASSACHUSETTS
Pirtek franchise in Massachusetts: what the public record shows
Franchisees of Pirtek in Massachusetts have taken 5 SBA loans since 1991 (average $199,440)— 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 15.3% is the better guide.
Loans in MA
5
Resolved
5
Local charge-off
thin
National charge-off
15.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MA. 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
2,250
statewide, all operators
Per 100k residents
31.5
national 30.2
Versus the country
+4%
denser
Every business in Pirtek's industry operating in Massachusetts — 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 MA | Local charge-off | Units in MA |
|---|---|---|---|
| Meineke | 24 | 16.7% | — |
| Shell Service Station | 15 | thin | — |
| Midas Muffler Shop | 13 | thin | — |
| Napa Auto Parts | 13 | thin | — |
| Cottman Transmission | 12 | thin | — |
| Aamco Transmissions | 11 | thin | — |
| Exxon | 11 | thin | — |
| Sunoco Service Station | 11 | thin | — |
| Mobil Oil (Stations) | 9 | thin | — |
| Maaco Auto Painting Center | 6 | thin | — |
Same sector, same state, same public records — how Pirtek compares to the systems a buyer in Massachusetts 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 Pirtek's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →