Business model built upon finding the uneducated, unsofiscated, gullible prospect then sending an uneducated, unsofiscated, greed-motivated employee who will say or do anything to get a contract signed, which obligate the new franchisee to extremely high interest "in-house" loans. This is followed by no training, a falsified route set-up and constant pressure to buy more inventory, which is over priced to the competition and market. SNAP-On owns this industry as evidenced by an 80 percent failure rate for Marco franchisees in the first two years. Most major banks and the SBA REFUSE to finance ANY Matco venture regardless of the prospective franchise's credit rating (research Google SBA Matco Tools failure rate) then you'll know why they were forced into the much touted "in-house" financing (at extremely high interest rates).