SBA 7(a)/504 FOIA · FY1991–PRESENT · OHIO
MASSAGE ENVY franchise in Ohio: what the public record shows
Franchisees of MASSAGE ENVY in Ohio have taken 21 SBA loans since 1991 (average $479,190), and of the 19 loans whose story has ended, 5.3% were charged off — versus 8.6% for MASSAGE ENVY nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 30 franchised outlets in Ohio (fiscal 2025) — about 0.25 per 100k residents.
Loans in OH
21
Resolved
19
Local charge-off
5.3%
National charge-off
8.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = OH. 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 30 | 0 |
| 2024 | 30 | 0 |
| 2025 | 30 | 0 |
| System | Loans in OH | Local charge-off | Units in OH |
|---|---|---|---|
| Subway | 353 | 3.1% | 865 |
| DAIRY QUEEN | 156 | 8.3% | — |
| Minuteman Press | 41 | 14.3% | — |
| PETLAND | 41 | 42.9% | 5 |
| Matco Tools | 37 | 40.0% | — |
| Sport Clips | 32 | 3.8% | 53 |
| Fastsigns | 30 | 4.8% | — |
| Firehouse Subs | 28 | 15.0% | 28 |
| Home Instead | 26 | 0.0% | 33 |
| JERSEY MIKE'S | 25 | 0.0% | 129 |
| Allstate Insurance | 22 | 10.0% | — |
| Buffalo Wild Wings (F/K/a Bw-3 (Buffalo Wings | 21 | 0.0% | — |
Same sector, same state, same public records — how MASSAGE ENVY compares to the systems a buyer in Ohio 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 MASSAGE ENVY's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →