SBA 7(a)/504 FOIA · FY1991–PRESENT · NORTH DAKOTA
PIZZA RANCH franchise in North Dakota: what the public record shows
Franchisees of PIZZA RANCH in North Dakota have taken 12 SBA loans since 1991 (average $424,641)— 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 7.8% is the better guide. Its latest FDD Item 20 state table reports 14 franchised outlets in North Dakota (fiscal 2025) — about 1.76 per 100k residents.
Loans in ND
12
Resolved
8
Local charge-off
thin
National charge-off
7.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = ND. 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.
Businesses in this industry
1,253
statewide, all operators
Per 100k residents
157.3
national 179.9
Versus the country
-13%
thinner
Every business in PIZZA RANCH's industry operating in North Dakota — 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 | 15 | — |
| 2024 | 14 | — |
| 2025 | 14 | — |
| System | Loans in ND | Local charge-off | Units in ND |
|---|---|---|---|
| Mrs. Fields Cookies | 9 | thin | — |
| Quiznos | 9 | thin | — |
| Papa Murphy'S Take & Bake Pizza | 6 | thin | — |
| Blimpie | 5 | thin | — |
| Cold Stone Creamery | 5 | thin | — |
| Culver's | 5 | thin | — |
Same sector, same state, same public records — how PIZZA RANCH compares to the systems a buyer in North Dakota 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.
Talk to an independent CPA before you buy →