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 since 1991 (average $197,600)— 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 8.1% is the better guide.
Loans in MO
5
Resolved
4
Local charge-off
thin
National charge-off
8.1%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MO. 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.
| System | Loans in MO | Local charge-off | Units in MO |
|---|---|---|---|
| Subway | 117 | 4.3% | 405 |
| DAIRY QUEEN | 96 | 8.2% | — |
| Matco Tools | 26 | 23.8% | — |
| QUALITY INN | 25 | 15.4% | 37 |
| MASSAGE ENVY | 22 | 0.0% | 15 |
| Blimpie | 21 | 23.5% | — |
| JERSEY MIKE'S | 20 | 0.0% | 34 |
| ECONO LODGE | 16 | 27.3% | 14 |
| Minuteman Press | 13 | 40.0% | — |
| Radioshack | 13 | 36.4% | — |
| H&R Block | 12 | 0.0% | 121 |
| PETLAND | 12 | 45.5% | 6 |
Same sector, same state, same public records — how Uptown Cheapskate compares to the systems a buyer in Missouri 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 Uptown Cheapskate's numbers, including talking you out of a bad deal.