SBA loan outcome check · industry · SBA data as of 30 September 2026

How have SBA loans in Advertising Agencies turned out?

Of 3,130 loans approved in fiscal 2000 to 2021 (at least five years old), 638 (20.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Advertising Agencies appears on 3,920 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $1.0 billion 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.
Advertising AgenciesIndustry NAICS 541810 · 3,920 loans
20%of seasoned loans charged off
  1. Advertising Agencies appears on 3,920 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $1.0 billion in gross approvals.
  2. Of 3,130 loans approved in fiscal 2000 to 2021 (at least five years old), 638 (20.4%) were charged off by the lender, against 15.6% 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.
0%38%Fiscal 2000: 7 of 100 loans charged off (7.0%)Fiscal 2001: 11 of 79 loans charged off (13.9%)Fiscal 2002: 19 of 120 loans charged off (15.8%)Fiscal 2003: 28 of 183 loans charged off (15.3%)Fiscal 2004: 33 of 179 loans charged off (18.4%)Fiscal 2005: 66 of 234 loans charged off (28.2%)Fiscal 2006: 110 of 287 loans charged off (38.3%)Fiscal 2007: 126 of 336 loans charged off (37.5%)Fiscal 2008: 88 of 229 loans charged off (38.4%)Fiscal 2009: 25 of 98 loans charged off (25.5%)Fiscal 2010: 11 of 110 loans charged off (10.0%)Fiscal 2011: 9 of 92 loans charged off (9.8%)Fiscal 2012: 4 of 84 loans charged off (4.8%)Fiscal 2013: 14 of 103 loans charged off (13.6%)Fiscal 2014: 9 of 110 loans charged off (8.2%)Fiscal 2015: 8 of 126 loans charged off (6.3%)Fiscal 2016: 24 of 139 loans charged off (17.3%)Fiscal 2017: 16 of 125 loans charged off (12.8%)Fiscal 2018: 15 of 123 loans charged off (12.2%)Fiscal 2019: 8 of 104 loans charged off (7.7%)Fiscal 2020: 2 of 74 loans charged off (2.7%)Fiscal 2021: 5 of 95 loans charged off (5.3%)20002002200420062008201020122014201620182020
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY2000100$24.2 million92717.0%
FY200179$11.0 million6811013.9%
FY2002120$16.1 million10119015.8%
FY2003183$15.5 million15528015.3%
FY2004179$16.6 million14633018.4%
FY2005234$20.9 million16866028.2%
FY2006287$19.1 million177110038.3%
FY2007336$26.1 million210126037.5%
FY2008229$22.2 million14188038.4%
FY200998$12.5 million7325025.5%
FY2010110$18.7 million9811110.0%
FY201192$26.0 million82919.8%
FY201284$19.1 million78424.8%
FY2013103$30.2 million8514413.6%
FY2014110$24.8 million97948.2%
FY2015126$36.6 million114846.3%
FY2016139$29.2 million11024517.3%
FY2017125$67.7 million95161412.8%
FY2018123$55.2 million79152912.2%
FY2019104$49.0 million578397.7%
FY202074$29.0 million372352.7%
FY202195$60.3 million315595.3%
FY202288$46.4 million25756too recent for a share
FY2023137$69.6 million231599too recent for a share
FY2024230$110.1 million201209too recent for a share
FY2025200$101.8 million90191too recent for a share
FY2026135$71.6 million00135too recent for a share

By state, where 30 or more loans are at least five years old

StateLoans (FY2000 to 2021)Charged offShare
California43710524.0%
New York3186018.9%
Florida2044924.0%
Texas1914925.7%
Pennsylvania1463121.2%
Ohio145149.7%
Illinois1263225.4%
Minnesota11398.0%
Massachusetts961313.5%
Michigan901921.1%
New Jersey881820.4%
Utah861719.8%

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 business in this industry, 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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