FRANCHISE·WATCH·DESK

SBA 7(a)/504 FOIA · FY1991–PRESENT · WISCONSIN

PIZZA RANCH franchise in Wisconsin: what the public record shows

Franchisees of PIZZA RANCH in Wisconsin have taken 26 SBA loans since 1991 (average $774,000), and of the 15 loans whose story has ended, 6.7% 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 30 franchised outlets in Wisconsin (fiscal 2025) — about 0.5 per 100k residents.

SBA loan outcomes · Wisconsinvs national

Loans in WI

26

Resolved

15

Local charge-off

6.7%

National charge-off

7.8%

Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = WI. 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.

Market density · Wisconsin vs nationalTypical density

Businesses in this industry

10,130

statewide, all operators

Per 100k residents

169.9

national 179.9

Versus the country

-6%

thinner

Every business in PIZZA RANCH's industry operating in Wisconsin — 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.

Franchised outlets in Wisconsin · FDD Item 20+3 over the disclosed window
Fiscal yearFranchisedCompany-owned
202327
202429
202530
Same-sector systems with SBA loan history in Wisconsin12 systems
SystemLoans in WILocal charge-offUnits in WI
Culver's1540.0%
Cousins Submarines (Restaurant)6915.2%
Quiznos5533.3%
Toppers Pizza520.0%
Papa Murphy'S Take & Bake Pizza460.0%
Jimmy John's393.3%
Domino's Pizza333.7%
TACO JOHN'S2254.5%33
Cold Stone Creamery2133.3%
Rosati'S Pizza1926.7%
Schlotzsky'S Sandwich Shop167.7%
SCOOTER'S COFFEE11thin23

Same sector, same state, same public records — how PIZZA RANCH compares to the systems a buyer in Wisconsin would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.

Before you sign anythingfree · 30 min · no commission

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 →