FRANCHISE·WATCH·DESK

SBA 7(a)/504 FOIA · FY1991–PRESENT · COLORADO

World Fuel Services, Inc Wholesale Supply Agreement franchise in Colorado: what the public record shows

Franchisees of World Fuel Services, Inc Wholesale Supply Agreement in Colorado have taken 14 SBA loans since 1991 (average $1,331,000)— 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 0.0% is the better guide.

SBA loan outcomes · Coloradovs national

Loans in CO

14

Resolved

6

Local charge-off

thin

National charge-off

0.0%

Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CO. 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.

Market density · Colorado vs nationalTypical density

Businesses in this industry

1,942

statewide, all operators

Per 100k residents

32.6

national 30.2

Versus the country

+8%

denser

Every business in World Fuel Services, Inc Wholesale Supply Agreement's industry operating in Colorado — 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.

Labor cost · Colorado vs nationalHigh wage pressure

Avg weekly wage, this industry

$1,153

Colorado, BLS QCEW 2025

National average

$1,002

same industry, all states

Versus the country

+15%

costlier to staff

What World Fuel Services, Inc Wholesale Supply Agreement's industry actually pays workers in Colorado, 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.

Same-sector systems with SBA loan history in Colorado12 systems
SystemLoans in COLocal charge-offUnits in CO
Grease Monkey4120.6%
Christian Brothers Automotive340.0%
Meineke240.0%
Maaco Auto Painting Center176.7%
Napa Auto Parts156.7%
Aamco Transmissions1333.3%
Conoco Service Station1220.0%
Shell Service Station10thin
Midas Muffler Shop8thin
All Tune and Lube7thin
Pirtek7thin
Cottman Transmission6thin

Same sector, same state, same public records — how World Fuel Services, Inc Wholesale Supply Agreement compares to the systems a buyer in Colorado would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.

Before you sign anythingfree · 30 min · no commission

A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing World Fuel Services, Inc Wholesale Supply Agreement's numbers, including talking you out of a bad deal.

Don Drummond, CPA — Virginia #43775 · what I charge

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