SBA 7(a)/504 FOIA · FY1991–PRESENT · PENNSYLVANIA
H&R Block franchise in Pennsylvania: what the public record shows
Franchisees of H&R Block in Pennsylvania have taken 8 SBA loans since 1991 (average $500,950)— 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 2.7% is the better guide. Its latest FDD Item 20 state table reports 174 franchised outlets in Pennsylvania (fiscal 2019) — about 1.33 per 100k residents.
Loans in PA
8
Resolved
3
Local charge-off
thin
National charge-off
2.7%
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 of 30 loans.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2017 | 172 | 234 |
| 2018 | 175 | 236 |
| 2019 | 174 | 236 |
| System | Loans in PA | Local charge-off | Units in PA |
|---|---|---|---|
| Subway | 335 | 7.9% | 550 |
| DAIRY QUEEN | 79 | 7.4% | — |
| Minuteman Press | 39 | 5.0% | — |
| EDIBLE ARRANGEMENTS | 31 | 4.2% | 32 |
| Home Instead | 29 | 0.0% | 41 |
| Matco Tools | 27 | 26.1% | — |
| Sport Clips | 22 | 0.0% | 45 |
| Budget Blinds | 21 | thin | — |
| MASSAGE ENVY | 20 | 0.0% | 23 |
| RODEWAY INN | 19 | thin | 20 |
| Alphagraphics, Printshops of the Futu | 16 | 7.7% | — |
| Fastsigns | 14 | thin | — |
Same sector, same state, same public records — how H&R Block compares to the systems a buyer in Pennsylvania would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
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