SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
United Check Cashing franchise in Texas: what the public record shows
Franchisees of United Check Cashing in Texas have taken 6 SBA loans since 1991 (average $153,216)— 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 27.3% is the better guide.
Loans in TX
6
Resolved
5
Local charge-off
thin
National charge-off
27.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
1,921
statewide, all operators
Per 100k residents
6.1
national 7.2
Versus the country
-15%
thinner
Every business in United Check Cashing'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 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.
Avg weekly wage, this industry
$611
Texas, BLS QCEW 2025
National average
$620
same industry, all states
Versus the country
-1%
cheaper to staff
What United Check Cashing'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 is a real cost signal 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 | Local charge-off | Units in TX |
|---|---|---|---|
| Camp Bow Wow | 37 | 0.0% | — |
| Pet Supplies Plus | 34 | thin | — |
| Dogtopia | 29 | 9.1% | — |
| ZOOM ROOM | 7 | thin | — |
| ROOSTERS AND ROOSTERS MEN'S GROOMING CENTER | 5 | thin | 10 |
Same sector, same state, same public records — how United Check Cashing compares to the systems a buyer in Texas 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. I'm paid by you — and the job is pressure-testing United Check Cashing's numbers, including talking you out of a bad deal.