SBA 7(a)/504 FOIA · FY1991–PRESENT · MONTANA
Napa Auto Parts franchise in Montana: what the public record shows
Franchisees of Napa Auto Parts in Montana have taken 14 SBA loans since 1991 (average $310,042), and of the 11 loans whose story has ended, 0.0% were charged off — versus 7.4% for Napa Auto Parts nationally and 14.8% across all rateable franchise brands.
Loans in MT
14
Resolved
11
Local charge-off
0.0%
National charge-off
7.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MT. 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
562
statewide, all operators
Per 100k residents
49.4
national 30.2
Versus the country
+64%
denser
Every business in Napa Auto Parts's industry operating in Montana — 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 MT | Local charge-off | Units in MT |
|---|---|---|---|
| Midas Muffler Shop | 9 | thin | — |
| Grease Monkey | 6 | thin | — |
Same sector, same state, same public records — how Napa Auto Parts compares to the systems a buyer in Montana 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 Napa Auto Parts's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →