SBA 7(a)/504 FOIA · FY1991–PRESENT · PENNSYLVANIA
Aamco Transmissions franchise in Pennsylvania: what the public record shows
Franchisees of Aamco Transmissions in Pennsylvania have taken 45 SBA loans since 1991 (average $214,875), and of the 28 loans whose story has ended, 25.0% were charged off — versus 28.6% for Aamco Transmissions nationally and 14.8% across all rateable franchise brands.
Loans in PA
45
Resolved
28
Local charge-off
25.0%
National charge-off
28.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PA. 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.
Businesses in this industry
5,132
statewide, all operators
Per 100k residents
39.2
national 30.2
Versus the country
+30%
denser
Every business in Aamco Transmissions's industry operating in Pennsylvania — 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.
| System | Loans in PA | Local charge-off | Units in PA |
|---|---|---|---|
| Meineke | 45 | 30.8% | — |
| Sunoco Service Station | 42 | 7.4% | — |
| Cottman Transmission | 17 | 26.7% | — |
| Maaco Auto Painting Center | 14 | 0.0% | — |
| All Tune and Lube | 11 | thin | — |
| Sunoco, LLC (Various Brands) Fuel Supply Agreement | 10 | thin | — |
| 1-800-Radiator & A/C | 8 | thin | — |
| Midas Muffler Shop | 8 | thin | — |
| LINE-X | 6 | thin | 4 |
| Carstar | 5 | thin | — |
| Exxon | 5 | thin | — |
| Maaco Auto Painting & Bodyworks/Maaco Collisi | 5 | thin | — |
Same sector, same state, same public records — how Aamco Transmissions compares to the systems a buyer in Pennsylvania 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. An independent CPA is paid by you — and the job is pressure-testing Aamco Transmissions's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →