SBA 7(a)/504 FOIA · FY1991–PRESENT · PENNSYLVANIA
TCBY franchise in Pennsylvania: what the public record shows
Franchisees of TCBY in Pennsylvania have taken 13 SBA loans since 1991 (average $133,492)— 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 21.9% is the better guide.
Loans in PA
13
Resolved
8
Local charge-off
thin
National charge-off
21.9%
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 of 30 loans.
Businesses in this industry
22,134
statewide, all operators
Per 100k residents
169.2
national 179.9
Versus the country
-6%
thinner
Every business in TCBY'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 |
|---|---|---|---|
| Dunkin Donuts/Baskin-Robbins Co-Brand | 178 | 3.7% | — |
| Rita'S Real Italian Water Ice | 104 | 6.0% | — |
| Quiznos | 100 | 36.1% | — |
| Fox'S Pizza Den | 60 | 19.6% | — |
| RITA'S ICE-CUSTARD-HAPPINESS | 50 | 0.0% | — |
| Saladworks | 47 | 23.7% | — |
| Domino's Pizza | 46 | 20.0% | — |
| Cold Stone Creamery | 45 | 56.7% | — |
| Philly Soft Pretzel Factory | 45 | 25.0% | — |
| Manhattan Bagel | 36 | 9.4% | — |
| Primohoagies | 32 | 7.1% | — |
| Tropical Smoothie Cafe | 29 | thin | 48 |
Same sector, same state, same public records — how TCBY 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 TCBY's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →