SBA loan outcome check · franchise brand · SBA data as of 30 September 2026

How have SBA loans to A & W Restaurant franchisees turned out?

Of 33 loans approved in fiscal 2000 to 2012 (at least five years old), 7 (21.2%) were charged off by the lender, against 21.0% across all 7(a) loans approved in those same years. A & W Restaurant appears on 33 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2012, $12.4 million in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
A & W RestaurantFranchise brand · 33 loans
21%of seasoned loans charged off
  1. A & W Restaurant appears on 33 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2012, $12.4 million in gross approvals.
  2. Of 33 loans approved in fiscal 2000 to 2012 (at least five years old), 7 (21.2%) were charged off by the lender, against 21.0% across all 7(a) loans approved in those same years.
  3. A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY20007$2.4 million610few loans
FY20014$2.8 million220few loans
FY20025$2.0 million500few loans
FY20033$645,400300few loans
FY20043$1.0 million030few loans
FY20052$805,200200few loans
FY20061$30,000100few loans
FY20073$1.0 million210few loans
FY20081$671,000100few loans
FY20092$616,000200few loans
FY20101$385,000100few loans
FY20121$60,000100few loans

US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.

Where can you go from this record?

Open it in the check to search another brand or industry. Before you borrow for a franchise, read the FTC consumer guide to buying a franchise, the SBA guide to buying a franchise and SBA Lender Match.

Compiled and checked by Vincent Wesley Couey (ORCID 0009-0005-6869-308X) from the SBA 7(a) FOIA loan data, as of 30 September 2026. Not an official source.

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