SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
ZOOM ROOM franchise in Texas: what the public record shows
Franchisees of ZOOM ROOM in Texas have taken 7 SBA loans in the FY1991–present FOIA files (average $178,000). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. ZOOM ROOM has too few seasoned resolved loans nationally for a national ratio.
Loans in TX
7
Charged off (all years)
0 of 2
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
1,921
statewide, all operators
Per 100k residents
6.1
national 7.2
Versus the country
-15%
thinner
Every business in ZOOM ROOM'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
$611
Texas, BLS QCEW 2025
National average
$620
same industry, all states
Versus the country
-1%
cheaper to staff
What ZOOM ROOM'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.
| System | Loans in TX | Charged off (all years) | Loss ratio in TX | Units in TX |
|---|---|---|---|---|
| Camp Bow Wow | 37 | 0 of 11 | — | — |
| Pet Supplies Plus | 34 | 1 of 9 | — | — |
| Dogtopia | 29 | 1 of 11 | — | — |
| PETLAND | 16 | 6 of 13 | — | 9 |
| HOUNDS TOWN USA | 12 | 0 of 1 | — | 10 |
| SCENTHOUND | 9 | 0 of 2 | — | 24 |
| Woofie's | 7 | — | — | 10 |
| ZOOMIN GROOMIN (AREA REP) | 5 | — | — | 6 |
Other systems in ZOOM ROOM'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 ZOOM ROOM’s numbers, including talking you out of a bad deal.