SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
LINE-X franchise in Texas: what the public record shows
Franchisees of LINE-X in Texas have taken 18 SBA loans since 1991 (average $356,883), and of the 11 loans whose story has ended, 54.5% were charged off — versus 13.3% for LINE-X nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 9 franchised outlets in Texas (fiscal 2025) — about 0.03 per 100k residents.
Loans in TX
18
Resolved
11
Local charge-off
54.5%
National charge-off
13.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
8,024
statewide, all operators
Per 100k residents
25.6
national 30.2
Versus the country
-15%
thinner
Every business in LINE-X'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 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2021 | 38 | — |
| 2022 | 36 | — |
| 2023 | 35 | — |
| 2023 | 33 | 0 |
| 2024 | 17 | 0 |
| 2025 | 9 | 0 |
| System | Loans in TX | Local charge-off | Units in TX |
|---|---|---|---|
| Christian Brothers Automotive | 129 | 0.0% | — |
| Exxon | 96 | 6.1% | — |
| Meineke | 76 | 45.8% | — |
| Aamco Transmissions | 69 | 32.5% | — |
| Chevron (Gas Station) | 64 | 13.3% | — |
| Valero | 64 | 0.0% | — |
| Sunoco, LLC (Various Brands) Fuel Supply Agreement | 60 | 0.0% | — |
| All Tune and Lube | 54 | 57.8% | — |
| Maaco Auto Painting Center | 54 | 23.9% | — |
| Kwik Kar Oil & Lube | 52 | 6.5% | — |
| Texaco Service Station | 52 | 10.8% | — |
| Shell Service Station | 45 | 3.6% | — |
Same sector, same state, same public records — how LINE-X compares to the systems a buyer in Texas 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 LINE-X's numbers, including talking you out of a bad deal.
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