SBA 7(a)/504 FOIA · FY1991–PRESENT · FLORIDA
SAM THE CONCRETE MAN franchise in Florida: what the public record shows
Franchisees of SAM THE CONCRETE MAN in Florida have taken 12 SBA loans in the FY1991–present FOIA files (average $150,000). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. SAM THE CONCRETE MAN has too few seasoned resolved loans nationally for a national ratio.
Loans in FL
12
Charged off (all years)
1 of 2
Loss ratio in FL
—
Loss ratio nationally
—
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = FL. 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
10,280
statewide, all operators
Per 100k residents
44
national 39.6
Versus the country
+11%
denser
Every business in SAM THE CONCRETE MAN's industry operating in Florida — 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
$1,152
Florida, BLS QCEW 2025
National average
$1,252
same industry, all states
Versus the country
-8%
cheaper to staff
What SAM THE CONCRETE MAN's industry actually pays workers in Florida, 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.
| System | Loans in FL | Charged off (all years) | Loss ratio in FL | Units in FL |
|---|---|---|---|---|
| Budget Blinds | 34 | 4 of 18 | — | — |
| The Grounds Guys | 26 | 8 of 11 | — | — |
| U.S. Lawns | 22 | 0 of 10 | — | — |
| MIGHTY DOG ROOFING | 20 | 0 of 3 | — | — |
| College Hunks Hauling Junk | 16 | 1 of 11 | — | 14 |
| AMERICA'S SWIMMING POOL COMPANY | 14 | 2 of 8 | — | 76 |
| FCI | 14 | 0 of 1 | — | 35 |
| CERTA PROPAINTERS | 13 | 1 of 4 | — | 24 |
| Two Men and a Truck | 13 | 0 of 6 | — | — |
| MR. APPLIANCE | 11 | 2 of 2 | — | 23 |
| Lawn Doctor | 10 | 1 of 5 | — | — |
| Mr. Electric | 10 | 0 of 5 | — | — |
Other systems in SAM THE CONCRETE MAN's sector whose franchisees borrowed in Florida. 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 SAM THE CONCRETE MAN’s numbers, including talking you out of a bad deal.