SBA 7(a)/504 FOIA · FY1991–PRESENT · MONTANA
TACO JOHN'S franchise in Montana: what the public record shows
Franchisees of TACO JOHN'S in Montana have taken 11 SBA loans since 1991 (average $396,254)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 17.9% is the better guide. Its latest FDD Item 20 state table reports 18 franchised outlets in Montana (fiscal 2025) — about 1.58 per 100k residents.
Loans in MT
11
Resolved
8
Local charge-off
thin
National charge-off
17.9%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MT. 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 of 30 loans.
Businesses in this industry
2,228
statewide, all operators
Per 100k residents
195.9
national 179.9
Versus the country
+9%
denser
Every business in TACO JOHN'S's industry operating in Montana — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 18 | — |
| 2024 | 18 | — |
| 2025 | 18 | — |
| System | Loans in MT | Local charge-off | Units in MT |
|---|---|---|---|
| Papa Murphy'S Take & Bake Pizza | 13 | 0.0% | — |
| Domino's Pizza | 11 | thin | — |
| Cold Stone Creamery | 8 | thin | — |
| GREAT HARVEST BREAD CO. | 8 | thin | — |
| Kentucky Fried Chicken | 7 | thin | — |
| Jersey Mike's Subs | 6 | thin | — |
| Little Ceasar'S Pizza | 5 | thin | — |
Same sector, same state, same public records — how TACO JOHN'S compares to the systems a buyer in Montana would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing TACO JOHN'S's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →