SBA 7(a)/504 FOIA · FY1991–PRESENT · PENNSYLVANIA
Snap-On Tools franchise in Pennsylvania: what the public record shows
Franchisees of Snap-On Tools in Pennsylvania have taken 11 SBA loans since 1991 (average $64,854), and of the 10 loans whose story has ended, 0.0% were charged off — versus 11.8% for Snap-On Tools nationally and 14.8% across all rateable franchise brands.
Loans in PA
11
Resolved
10
Local charge-off
0.0%
National charge-off
11.8%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = PA. 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
5,932
statewide, all operators
Per 100k residents
45.4
national 39.6
Versus the country
+15%
denser
Every business in Snap-On Tools's industry operating in Pennsylvania — 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 PA | Local charge-off | Units in PA |
|---|---|---|---|
| True Value Hardware | 19 | 18.2% | — |
| Ace Hardware | 11 | 20.0% | — |
| Woodcraft | 10 | thin | — |
| Mr. Electric | 9 | thin | — |
| Mr. Handyman | 9 | thin | — |
| EverLine Coatings and Services | 5 | thin | — |
| Five Star Bath Solutions | 5 | thin | — |
| MIGHTY DOG ROOFING | 5 | thin | — |
| SAM THE CONCRETE MAN | 5 | thin | — |
Same sector, same state, same public records — how Snap-On Tools compares to the systems a buyer in Pennsylvania 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 Snap-On Tools's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →