SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
Uptown Cheapskate franchise in Missouri: what the public record shows
Franchisees of Uptown Cheapskate in Missouri have taken 5 SBA loans in the FY1991–present FOIA files (average $197,600). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Uptown Cheapskate's national ratio is 1.1× (not clearly different from 1.0×).
Loans in MO
5
Charged off (all years)
0 of 4
Loss ratio in MO
—
Loss ratio nationally (not clear)
1.1×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MO. 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.
| System | Loans in MO | Charged off (all years) | Loss ratio in MO | Units in MO |
|---|---|---|---|---|
| True Value Hardware | 17 | 2 of 14 | — | — |
| Play It Again Sports | 15 | 0 of 11 | — | — |
| Radioshack | 13 | 4 of 11 | — | — |
| Sears Catalog Store | 13 | 3 of 12 | — | — |
| Ace Hardware | 11 | 1 of 5 | — | — |
| Computer Renaissance | 11 | 2 of 9 | — | — |
| Children'S Orchard (Retail Clothing) | 10 | 0 of 10 | — | — |
| Plato'S Closet | 10 | 0 of 4 | — | — |
| Cartridge World | 8 | 1 of 8 | — | — |
| Golf U.S.a. (Retail Golf Equip.) | 8 | 3 of 6 | — | — |
| Once Upon a Child | 7 | 0 of 5 | — | — |
| WILD BIRDS UNLIMITED | 7 | 0 of 6 | — | 6 |
Other systems in Uptown Cheapskate's sector whose franchisees borrowed in Missouri. 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 Uptown Cheapskate’s numbers, including talking you out of a bad deal.