MISSOURI · SBA 7(a)/504 FOIA · FY1991–PRESENT
Franchises in Missouri: the loan record
Since 1991, banks have made 2,175 SBA-backed loans to franchisees of 166 different brands in Missouri. Of the loans already resolved, 13.4% were charged off — 9% below the national franchise baseline of 14.8%. This page is not a directory of who paid to be listed; it is what actually happened to the people who bought franchises here, according to the federal loan record.
2,175
SBA loans since 1991
166
Brands financed
13.4%
Local charge-off rate
34.8
Loans per 100k residents
| Aamco Transmissions | 5 of 11 defaulted | 45.5%THIN |
| PETLAND | 5 of 11 defaulted | 45.5%THIN |
| Minuteman Press | 4 of 10 defaulted | 40.0%THIN |
| Orange Leaf | 5 of 13 defaulted | 38.5%THIN |
| Radioshack | 4 of 11 defaulted | 36.4%THIN |
| Quiznos | 20 of 64 defaulted | 31.3% |
| Conoco Service Station | 4 of 13 defaulted | 30.8%THIN |
| Midas Muffler Shop | 4 of 14 defaulted | 28.6%THIN |
| Cold Stone Creamery | 5 of 18 defaulted | 27.8%THIN |
| Baskin-Robbins | 3 of 11 defaulted | 27.3%THIN |
| Choice Hotels International | 3 of 11 defaulted | 27.3%THIN |
| ECONO LODGE | 3 of 11 defaulted | 27.3%THIN |
| Ramada Inn | 3 of 11 defaulted | 27.3%THIN |
| Kentucky Fried Chicken | 3 of 12 defaulted | 25.0%THIN |
| Sears Catalog Store | 3 of 12 defaulted | 25.0%THIN |
| Mail Boxes Etc. Usa | 0 of 25 defaulted | 0.0%THIN |
| THE UPS STORE NON-TRADITIONAL | 0 of 25 defaulted | 0.0%THIN |
| MASSAGE ENVY | 0 of 14 defaulted | 0.0%THIN |
| SERVPRO | 0 of 14 defaulted | 0.0%THIN |
| Sonic Drive-In | 0 of 14 defaulted | 0.0%THIN |
| Comfort/ Comfort Inn & Suites/ Comfort Suites | 0 of 13 defaulted | 0.0%THIN |
| GREAT CLIPS | 0 of 13 defaulted | 0.0%THIN |
| JERSEY MIKE'S | 0 of 13 defaulted | 0.0%THIN |
| Little Ceasar'S Pizza | 0 of 12 defaulted | 0.0%THIN |
| Play It Again Sports | 0 of 11 defaulted | 0.0%THIN |
| Children'S Orchard (Retail Clothing) | 0 of 10 defaulted | 0.0%THIN |
| Culligan | 0 of 10 defaulted | 0.0%THIN |
| Firehouse Subs | 0 of 10 defaulted | 0.0%THIN |
| H&R Block | 0 of 10 defaulted | 0.0%THIN |
| Liberty Tax Service | 0 of 10 defaulted | 0.0%THIN |
Every SBA 7(a) and 504 loan in the FY1991–present FOIA files (data.sba.gov) whose borrower is matched to a franchise brand and whose borrower state is Missouri. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); still-open loans never dilute the rate. A local rate prints only at 10+ resolved loans in-state, and is marked THIN below 30 — directional, not a verdict. Local conditions, lender mix, and era all sit inside these numbers; read a brand's national record and its FDD before concluding anything. Brand links lead to the full sourced profile; “local record” links to the brand's Missouri loan page.
A broker is paid by the franchisor to place you. I'm paid by you — and the job is pressure-testing the numbers, including talking you out of a bad deal.