SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
Fantastic Sams franchise in Missouri: what the public record shows
Franchisees of Fantastic Sams in Missouri have taken 22 SBA loans since 1991 (average $121,907), and of the 21 loans whose story has ended, 23.8% were charged off — versus 22.1% for Fantastic Sams nationally and 14.8% across all rateable franchise brands.
Loans in MO
22
Resolved
21
Local charge-off
23.8%
National charge-off
22.1%
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.
Businesses in this industry
1,305
statewide, all operators
Per 100k residents
20.9
national 26.6
Versus the country
-21%
thinner
Every business in Fantastic Sams's industry operating in Missouri — 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 MO | Local charge-off | Units in MO |
|---|---|---|---|
| GREAT CLIPS | 15 | 0.0% | — |
| SUPERCUTS | 12 | thin | 12 |
| MassageLuXe Spa | 6 | thin | 17 |
Same sector, same state, same public records — how Fantastic Sams 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. An independent CPA is paid by you — and the job is pressure-testing Fantastic Sams's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →