SBA 7(a)/504 FOIA · FY1991–PRESENT · MICHIGAN
Tuffy Muffler Center franchise in Michigan: what the public record shows
Franchisees of Tuffy Muffler Center in Michigan have taken 8 SBA loans since 1991 (average $154,875)— 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 26.3% is the better guide.
Loans in MI
8
Resolved
7
Local charge-off
thin
National charge-off
26.3%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MI. 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
3,173
statewide, all operators
Per 100k residents
31.3
national 30.2
Versus the country
+4%
denser
Every business in Tuffy Muffler Center's industry operating in Michigan — 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 MI | Local charge-off | Units in MI |
|---|---|---|---|
| Sunoco Service Station | 30 | 14.3% | — |
| Midas Muffler Shop | 19 | 0.0% | — |
| Mobil Oil (Stations) | 19 | thin | — |
| Amoco (Gas Station) | 10 | thin | — |
| Maaco Auto Painting Center | 10 | thin | — |
| Shell Service Station | 10 | thin | — |
| LINE-X | 9 | thin | 3 |
| Marathon Oil | 9 | thin | — |
| Meineke | 9 | thin | — |
| All Tune and Lube | 8 | thin | — |
| Napa Auto Parts | 8 | thin | — |
| Valvoline Instant Oil Change | 7 | thin | — |
Same sector, same state, same public records — how Tuffy Muffler Center compares to the systems a buyer in Michigan 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 Tuffy Muffler Center's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →