SBA 7(a)/504 FOIA · FY1991–PRESENT · SOUTH DAKOTA
PIZZA RANCH franchise in South Dakota: what the public record shows
Franchisees of PIZZA RANCH in South Dakota have taken 34 SBA loans since 1991 (average $214,899), and of the 26 loans whose story has ended, 3.8% were charged off — versus 7.8% for PIZZA RANCH nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 19 franchised outlets in South Dakota (fiscal 2025) — about 2.06 per 100k residents.
Loans in SD
34
Resolved
26
Local charge-off
3.8%
National charge-off
7.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = SD. 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
1,496
statewide, all operators
Per 100k residents
161.8
national 179.9
Versus the country
-10%
thinner
Every business in PIZZA RANCH's industry operating in South Dakota — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 20 | — |
| 2024 | 19 | — |
| 2025 | 19 | — |
| System | Loans in SD | Local charge-off | Units in SD |
|---|---|---|---|
| Culver's | 8 | thin | — |
| Jimmy John's | 8 | thin | — |
| SCOOTER'S COFFEE | 8 | thin | 25 |
| TACO JOHN'S | 8 | thin | 36 |
| Kentucky Fried Chicken | 7 | thin | — |
| Marco's Pizza | 7 | thin | — |
| Cold Stone Creamery | 6 | thin | — |
| Tropical Smoothie Cafe | 6 | thin | 6 |
Same sector, same state, same public records — how PIZZA RANCH compares to the systems a buyer in South Dakota 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 PIZZA RANCH's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →