SBA 7(a)/504 FOIA · FY1991–PRESENT · MISSOURI
Sears Catalog Store franchise in Missouri: what the public record shows
Franchisees of Sears Catalog Store in Missouri have taken 13 SBA loans since 1991 (average $162,669), and of the 12 loans whose story has ended, 25.0% were charged off — versus 15.7% for Sears Catalog Store nationally and 14.8% across all rateable franchise brands.
Loans in MO
13
Resolved
12
Local charge-off
25.0%
National charge-off
15.7%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MO. 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.
| System | Loans in MO | Local charge-off | Units in MO |
|---|---|---|---|
| Subway | 117 | 4.3% | 405 |
| DAIRY QUEEN | 96 | 8.2% | — |
| Matco Tools | 26 | 23.8% | — |
| MASSAGE ENVY | 22 | 0.0% | 15 |
| Golden Corral (Restaurant) | 17 | 9.1% | — |
| Firehouse Subs | 14 | 0.0% | 25 |
| Minuteman Press | 13 | 40.0% | — |
| Radioshack | 13 | 36.4% | — |
| H&R Block | 12 | 0.0% | 121 |
| PETLAND | 12 | 45.5% | 6 |
| Computer Renaissance | 11 | thin | — |
| Captain D's | 10 | thin | 12 |
Same sector, same state, same public records — how Sears Catalog Store compares to the systems a buyer in Missouri 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 Sears Catalog Store's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →