Franchise brands › Big O Tires
Franchise brand178 approvals since FY2010
SBA loans to Big O Tires franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Since FY2010, 178 SBA loan approvals worth $158M carry the Big O Tires franchise code, 61 of them in FY2021 to FY2025.
In FY2025 there were 8. The average approval in the five-year window was $981K, and 13 of the approvals were 504 loans.
27 lenders made the FY2021 to FY2025 loans across 12 states; the most active were Live Oak Banking Company (18), Intermountain Business Lending, Inc. (4) and United Business Bank (3).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 2.5% as charged off, below the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 6 | $9.0M | $1.5M | 2 | 133 |
| FY2025 | 8 | $9.3M | $1.2M | 0 | 104 |
| FY2024 | 1 | — | — | 0 | 16 |
| FY2023 | 11 | $7.2M | $653K | 4 | 107 |
| FY2022 | 17 | $16.9M | $994K | 5 | 212 |
| FY2021 | 24 | $25.9M | $1.1M | 4 | 359 |
| FY2020 | 16 | $25.3M | $1.6M | 1 | 208 |
| FY2019 | 16 | $12.9M | $804K | 1 | 312 |
| FY2018 | 17 | $20.4M | $1.2M | 2 | 323 |
| FY2017 | 8 | $3.3M | $414K | 0 | 65 |
| FY2016 | 6 | $2.0M | $334K | 1 | 30 |
SBA's franchise field lists the brand as "BIG O TIRES"; "Big O Tires - Business Format Franchise / Product Distribution Franchise". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Big O Tires | All SBA loans |
|---|---|---|
| Approvals in these years | 135 | 725,496 |
| Cancelled or never disbursed | 13 | 91,827 |
| Disbursed loans | 122 | 633,669 |
| Paid in full | 77 | 471,304 |
| Charged off | 3 | 37,796 |
| Still outstanding (status exempt from disclosure) | 42 | 124,569 |
| Charged off, share of disbursed loans | 2.5% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.7% | 2.2% |
| Dollars charged off | $708K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking CompanyWilmington, NC | 18 | $22.5M | 29.5% | |
| 2 | Intermountain Business Lending, Inc.Ogden, UT · CDC | 4 | $3.9M | 6.6% | |
| 3 | United Business BankWalnut Creek, CA | 3 | $5.1M | 4.9% | |
| 4 | Five Star BankRancho Cordova, CA | 3 | $2.5M | 4.9% | |
| 5 | B:Side CapitalDenver, CO · CDC | 3 | $2.5M | 4.9% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $1.3M | 4.9% | |
| 7 | Citizens BankMooresville, IN | 2 | — | 3.3% | |
| 8 | PBandT BankPueblo, CO | 2 | — | 3.3% | |
| 9 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 2 | — | 3.3% | |
| 10 | Dakota Business LendingFargo, ND · CDC | 2 | — | 3.3% | |
| 11 | Exchange BankSanta Rosa, CA | 2 | — | 3.3% | |
| 12 | The Huntington National BankColumbus, OH | 2 | — | 3.3% | |
| 13 | Mortgage Capital Development CorporationOakland, CA · CDC | 1 | — | 1.6% | |
| 14 | The New Washington State BankNew Washington, IN | 1 | — | 1.6% | |
| 15 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 1.6% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | California | 17 | 27.9% | |
| 2 | Colorado | 10 | 16.4% | |
| 3 | Utah | 10 | 16.4% | |
| 4 | Indiana | 5 | 8.2% | |
| 5 | Arizona | 5 | 8.2% | |
| 6 | Nevada | 4 | 6.6% | |
| 7 | North Dakota | 3 | 4.9% | |
| 8 | New Mexico | 2 | 3.3% | |
| 9 | Washington | 2 | 3.3% | |
| 10 | Kentucky | 1 | 1.6% | |
| 11 | Texas | 1 | 1.6% | |
| 12 | Idaho | 1 | 1.6% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 44 | 72.1% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 17 | 27.9% |
Approval sizes
- $50,000 or less3.3%2
- $50,001 to $150,0004.9%3
- $150,001 to $350,00019.7%12
- $350,001 to $1 million36.1%22
- $1 million to $2 million21.3%13
- Over $2 million14.8%9
Age of the businesses
- Existing, more than 2 years old37.7%23
- New business, 2 years or less14.8%9
- Startup, loan funds will open the business13.1%8
- Change of ownership34.4%21
Questions and answers
How many SBA loans go to Big O Tires franchises?
178 approvals since FY2010, worth $158M; 61 in FY2021 to FY2025.
Which lenders make SBA loans for Big O Tires franchises?
By approvals in FY2021 to FY2025: Live Oak Banking Company (18), Intermountain Business Lending, Inc. (4), United Business Bank (3), Five Star Bank (3), B:Side Capital (3).
How large is a typical SBA loan for a Big O Tires franchise?
The average approval in FY2021 to FY2025 was $981K.
What share of Big O Tires SBA loans are charged off?
Of 122 disbursed loans approved in FY2010 to FY2021, 3 (2.5%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Big O Tires franchises rising?
Approvals in the three latest complete fiscal years total 20, against 57 in the three before: falling (-65%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error