SBA 7(a)/504 FOIA · FY1991–PRESENT · MARYLAND
Precision Tune Auto Care franchise in Maryland: what the public record shows
Franchisees of Precision Tune Auto Care in Maryland have taken 8 SBA loans in the FY1991–present FOIA files (average $142,875). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Precision Tune Auto Care's national ratio is 1.4× (not clearly different from 1.0×). Its latest FDD Item 20 state table reports 15 franchised outlets in Maryland (fiscal 2025) — about 0.24 per 100k residents.
Loans in MD
8
Charged off (all years)
0 of 8
Loss ratio in MD
—
Loss ratio nationally (not clear)
1.4×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MD. 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
1,911
statewide, all operators
Per 100k residents
30.5
national 30.2
Versus the country
+1%
denser
Every business in Precision Tune Auto Care's industry operating in Maryland — 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
$1,085
Maryland, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
+8%
costlier to staff
What Precision Tune Auto Care's industry actually pays workers in Maryland, 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 |
|---|---|---|
| 2021 | 14 | 4 |
| 2022 | 16 | 1 |
| 2023 | 16 | 1 |
| 2023 | 16 | 1 |
| 2024 | 16 | 1 |
| 2025 | 15 | 1 |
| System | Loans in MD | Charged off (all years) | Loss ratio in MD | Units in MD |
|---|---|---|---|---|
| Meineke | 25 | 5 of 18 | — | — |
| All Tune and Lube | 16 | 4 of 15 | — | — |
| Matco Tools | 14 | 3 of 12 | — | — |
| Maaco | 12 | 1 of 10 | — | — |
| Exxon | 10 | 1 of 5 | — | — |
| Amoco (Gas Station) | 9 | 1 of 5 | — | — |
| Midas | 8 | 2 of 5 | — | — |
| Midas Muffler Shop | 8 | 2 of 6 | — | — |
| Aamco Transmissions | 6 | 2 of 4 | — | — |
| JIFFY LUBE | 6 | 0 of 4 | — | 63 |
| LINE-X | 6 | 0 of 5 | — | 2 |
| Mobil Oil (Stations) | 5 | 0 of 3 | — | — |
Other systems in Precision Tune Auto Care's sector whose franchisees borrowed in Maryland. 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 Precision Tune Auto Care’s numbers, including talking you out of a bad deal.