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

How have SBA loans in All Other General Merchandise Stores turned out?

Of 2,857 loans approved in fiscal 2000 to 2021 (at least five years old), 826 (28.9%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. All Other General Merchandise Stores appears on 2,862 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $394.9 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.
All Other General Merchandise StoresIndustry NAICS 452990 · 2,862 loans
29%of seasoned loans charged off
  1. All Other General Merchandise Stores appears on 2,862 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $394.9 million in gross approvals.
  2. Of 2,857 loans approved in fiscal 2000 to 2021 (at least five years old), 826 (28.9%) 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%50%Fiscal 2000: 26 of 108 loans charged off (24.1%)Fiscal 2001: 24 of 106 loans charged off (22.6%)Fiscal 2002: 35 of 163 loans charged off (21.5%)Fiscal 2003: 66 of 246 loans charged off (26.8%)Fiscal 2004: 70 of 271 loans charged off (25.8%)Fiscal 2005: 100 of 302 loans charged off (33.1%)Fiscal 2006: 153 of 358 loans charged off (42.7%)Fiscal 2007: 174 of 350 loans charged off (49.7%)Fiscal 2008: 90 of 189 loans charged off (47.6%)Fiscal 2009: 26 of 109 loans charged off (23.9%)Fiscal 2010: 13 of 85 loans charged off (15.3%)Fiscal 2011: 6 of 88 loans charged off (6.8%)Fiscal 2012: 9 of 67 loans charged off (13.4%)Fiscal 2013: 6 of 74 loans charged off (8.1%)Fiscal 2014: 9 of 93 loans charged off (9.7%)Fiscal 2015: 6 of 99 loans charged off (6.1%)Fiscal 2016: 7 of 88 loans charged off (8.0%)Fiscal 2017: 5 of 38 loans charged off (13.2%)Fiscal 2018: 1 of 17 loans charged off (5.9%)2000200220042006200820102012201420162018
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
FY2000108$13.4 million8226024.1%
FY2001106$17.1 million8224022.6%
FY2002163$26.8 million12735121.5%
FY2003246$30.6 million18066026.8%
FY2004271$34.5 million20170025.8%
FY2005302$38.7 million202100033.1%
FY2006358$30.8 million204153142.7%
FY2007350$28.4 million171174549.7%
FY2008189$17.7 million9790247.6%
FY2009109$12.8 million8226123.9%
FY201085$10.2 million7013215.3%
FY201188$19.1 million80626.8%
FY201267$16.7 million549413.4%
FY201374$18.4 million64648.1%
FY201493$25.4 million81939.7%
FY201599$19.7 million86676.1%
FY201688$18.9 million77748.0%
FY201738$10.8 million305313.2%
FY201817$2.4 million13135.9%
FY20191$500,000100few loans
FY20203$425,000201few loans
FY20212$605,000200few loans
FY20243$525,000012too recent for a share
FY20251$25,000001too recent for a share
FY20261$420,300001too recent for a share

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

StateLoans (FY2000 to 2021)Charged offShare
California45216436.3%
Texas2087737.0%
New York1936031.1%
Pennsylvania1534026.1%
Michigan1425135.9%
Florida1324231.8%
New Jersey1022928.4%
Ohio952122.1%
Massachusetts851416.5%
Washington781823.1%
Illinois722433.3%
Arizona701724.3%

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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