SBA 7(a)/504 FOIA · FY1991–PRESENT · MINNESOTA
PIZZA RANCH franchise in Minnesota: what the public record shows
Franchisees of PIZZA RANCH in Minnesota have taken 57 SBA loans since 1991 (average $397,013), and of the 42 loans whose story has ended, 9.5% were charged off — versus 7.8% for PIZZA RANCH nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 43 franchised outlets in Minnesota (fiscal 2025) — about 0.74 per 100k residents.
Loans in MN
57
Resolved
42
Local charge-off
9.5%
National charge-off
7.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MN. 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
8,754
statewide, all operators
Per 100k residents
151.1
national 179.9
Versus the country
-16%
thinner
Every business in PIZZA RANCH's industry operating in Minnesota — 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 |
|---|---|---|
| 2023 | 42 | — |
| 2024 | 43 | — |
| 2025 | 43 | — |
| System | Loans in MN | Local charge-off | Units in MN |
|---|---|---|---|
| Jimmy John's | 76 | 1.8% | — |
| Quiznos | 72 | 21.7% | — |
| Culver's | 68 | 6.1% | — |
| Papa Murphy'S Take & Bake Pizza | 44 | 0.0% | — |
| TACO JOHN'S | 37 | 6.3% | 50 |
| Domino's Pizza | 36 | 3.6% | — |
| Dunn Bros Coffee | 32 | 22.6% | — |
| Cold Stone Creamery | 30 | 25.0% | — |
| Erbert & Gerbert'S Subs & Clubs | 23 | 15.8% | — |
| Dunkin Donuts/Baskin-Robbins Co-Brand | 18 | thin | — |
| SCOOTER'S COFFEE | 18 | thin | 30 |
| Cousins Submarines (Restaurant) | 17 | 43.8% | — |
Same sector, same state, same public records — how PIZZA RANCH compares to the systems a buyer in Minnesota 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 PIZZA RANCH's numbers, including talking you out of a bad deal.
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