SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
TOMMY'S EXPRESS franchise in Texas: what the public record shows
Franchisees of TOMMY'S EXPRESS in Texas have taken 8 SBA loans in the FY1991–present FOIA files (average $2,463,975). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. TOMMY'S EXPRESS has too few seasoned resolved loans nationally for a national ratio. Its latest FDD Item 20 state table reports 33 franchised outlets in Texas (fiscal 2025) — about 0.11 per 100k residents.
Loans in TX
8
Charged off (all years)
0 of 1
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
8,024
statewide, all operators
Per 100k residents
25.6
national 30.2
Versus the country
-15%
thinner
Every business in TOMMY'S EXPRESS'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
$968
Texas, BLS QCEW 2025
National average
$1,002
same industry, all states
Versus the country
-3%
cheaper to staff
What TOMMY'S EXPRESS'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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 16 | 1 |
| 2023 | 16 | 1 |
| 2024 | 27 | 0 |
| 2024 | 27 | 0 |
| 2025 | 33 | 0 |
| 2025 | 33 | 0 |
| System | Loans in TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| Christian Brothers Automotive | 129 | 0 of 100 | 0× | — |
| Maaco | 76 | 13 of 59 | 1.3×NOT CLEAR | — |
| Meineke | 76 | 22 of 48 | 3.2× | — |
| Matco Tools | 71 | 23 of 66 | 2.0× | — |
| Aamco Transmissions | 69 | 13 of 40 | 1.9× | — |
| Chevron (Gas Station) | 64 | 6 of 45 | 1.0×NOT CLEAR | — |
| Exxon | 63 | 3 of 39 | 0.6×NOT CLEAR | — |
| Sunoco fuel supply | 60 | 0 of 23 | — | — |
| All Tune and Lube | 54 | 26 of 45 | 3.3× | — |
| Kwik Kar Oil & Lube | 52 | 3 of 46 | 0.5×NOT CLEAR | — |
| Texaco Service Station | 52 | 4 of 37 | 0.7×NOT CLEAR | — |
| Shell Service Station | 45 | 1 of 28 | — | — |
Other systems in TOMMY'S EXPRESS'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 TOMMY'S EXPRESS’ numbers, including talking you out of a bad deal.