SBA 7(a)/504 FOIA · FY1991–PRESENT · UTAH
Sport Clips franchise in Utah: what the public record shows
Franchisees of Sport Clips in Utah have taken 20 SBA loans in the FY1991–present FOIA files (average $158,650). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Sport Clips's national ratio is 0.4×. Its latest FDD Item 20 state table reports 28 franchised outlets in Utah (fiscal 2016) — about 0.8 per 100k residents.
Loans in UT
20
Charged off (all years)
0 of 18
Loss ratio in UT
—
Loss ratio nationally
0.4×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = UT. 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
1,051
statewide, all operators
Per 100k residents
30
national 26.6
Versus the country
+13%
denser
Every business in Sport Clips's industry operating in Utah — 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
$548
Utah, BLS QCEW 2025
National average
$698
same industry, all states
Versus the country
-21%
cheaper to staff
What Sport Clips's industry actually pays workers in Utah, 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 |
|---|---|---|
| 2014 | 21 | — |
| 2015 | 22 | — |
| 2016 | 28 | — |
| System | Loans in UT | Charged off (all years) | Loss ratio in UT | Units in UT |
|---|---|---|---|---|
| Fantastic Sams | 17 | 2 of 16 | — | — |
| SUPERCUTS | 15 | 0 of 12 | — | 16 |
| MERLE NORMAN COSMETICS | 5 | 1 of 3 | — | 2 |
Other systems in Sport Clips's sector whose franchisees borrowed in Utah. 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 Sport Clips’ numbers, including talking you out of a bad deal.