SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
Success On The Spectrum franchise in Texas: what the public record shows
Franchisees of Success On The Spectrum in Texas have taken 22 SBA loans in the FY1991–present FOIA files (average $286,900). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Success On The Spectrum has too few seasoned resolved loans nationally for a national ratio.
Loans in TX
22
Charged off (all years)
0 of 2
Loss ratio in TX
—
Loss ratio nationally
—
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
4,461
statewide, all operators
Per 100k residents
14.3
national 11.6
Versus the country
+23%
denser
Every business in Success On The Spectrum's industry operating in Texas — 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
$567
Texas, BLS QCEW 2025
National average
$806
same industry, all states
Versus the country
-30%
cheaper to staff
What Success On The Spectrum's industry actually pays workers in Texas, 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 TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| MASSAGE ENVY | 83 | 4 of 71 | 0.2× | 99 |
| Heights Wellness Retreat | 48 | 5 of 30 | 1.4×NOT CLEAR | 48 |
| Pearle Vision | 32 | 1 of 27 | — | — |
| Fyzical | 30 | 0 of 3 | — | 8 |
| Restore Hyper Wellness | 28 | 1 of 6 | — | — |
| Hand and Stone | 24 | 0 of 15 | — | — |
| ELLIE MENTAL HEALTH | 21 | 3 of 8 | — | — |
| Gameday Men's Health | 21 | 0 of 1 | — | — |
| The Joint...the chiropractic place | 18 | 0 of 7 | — | 56 |
| Degree Wellness | 12 | — | — | — |
| FASTEST LABS | 11 | 2 of 6 | — | 32 |
| Vision Source | 11 | 0 of 4 | — | 259 |
Other systems in Success On The Spectrum's sector whose franchisees borrowed in Texas. 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 Success On The Spectrum’s numbers, including talking you out of a bad deal.