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

How have SBA loans in All Other Miscellaneous Store Retailers (except Tobacco Stores) turned out?

Of 9,456 loans approved in fiscal 2000 to 2021 (at least five years old), 2,055 (21.7%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. All Other Miscellaneous Store Retailers (except Tobacco Stores) appears on 9,628 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2025, $1.5 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.
All Other Miscellaneous Store Retailers (except Tobacco Stores)Industry NAICS 453998 · 9,628 loans
22%of seasoned loans charged off
  1. All Other Miscellaneous Store Retailers (except Tobacco Stores) appears on 9,628 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2025, $1.5 billion in gross approvals.
  2. Of 9,456 loans approved in fiscal 2000 to 2021 (at least five years old), 2,055 (21.7%) 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: 12 of 53 loans charged off (22.6%)Fiscal 2001: 57 of 345 loans charged off (16.5%)Fiscal 2002: 74 of 395 loans charged off (18.7%)Fiscal 2003: 108 of 550 loans charged off (19.6%)Fiscal 2004: 167 of 665 loans charged off (25.1%)Fiscal 2005: 293 of 943 loans charged off (31.1%)Fiscal 2006: 294 of 958 loans charged off (30.7%)Fiscal 2007: 448 of 1,172 loans charged off (38.2%)Fiscal 2008: 265 of 777 loans charged off (34.1%)Fiscal 2009: 47 of 330 loans charged off (14.2%)Fiscal 2010: 48 of 350 loans charged off (13.7%)Fiscal 2011: 30 of 325 loans charged off (9.2%)Fiscal 2012: 17 of 221 loans charged off (7.7%)Fiscal 2013: 18 of 230 loans charged off (7.8%)Fiscal 2014: 24 of 279 loans charged off (8.6%)Fiscal 2015: 23 of 365 loans charged off (6.3%)Fiscal 2016: 26 of 301 loans charged off (8.6%)Fiscal 2017: 37 of 306 loans charged off (12.1%)Fiscal 2018: 28 of 257 loans charged off (10.9%)Fiscal 2019: 18 of 205 loans charged off (8.8%)Fiscal 2020: 12 of 173 loans charged off (6.9%)Fiscal 2021: 9 of 256 loans charged off (3.5%)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
FY200053$11.9 million4112022.6%
FY2001345$43.9 million28857016.5%
FY2002395$48.8 million32074118.7%
FY2003550$48.4 million442108019.6%
FY2004665$78.9 million498167025.1%
FY2005943$88.6 million648293231.1%
FY2006958$74.4 million663294130.7%
FY20071,172$97.5 million722448238.2%
FY2008777$69.6 million508265434.1%
FY2009330$40.3 million27947414.2%
FY2010350$48.7 million29948313.7%
FY2011325$63.4 million2913049.2%
FY2012221$47.4 million1981767.7%
FY2013230$43.9 million2031897.8%
FY2014279$49.3 million2482478.6%
FY2015365$70.7 million32923136.3%
FY2016301$67.1 million25826178.6%
FY2017306$80.9 million215375412.1%
FY2018257$78.8 million170285910.9%
FY2019205$43.5 million12418638.8%
FY2020173$61.2 million10112606.9%
FY2021256$130.0 million11491333.5%
FY2022132$56.4 million38787too recent for a share
FY202325$4.3 million6118too recent for a share
FY202412$1.3 million0012too recent for a share
FY20253$3.0 million003too recent for a share

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

StateLoans (FY2000 to 2021)Charged offShare
California1,00728127.9%
Texas76218223.9%
New York54513324.4%
Florida54217632.5%
Ohio4737215.2%
Michigan3516217.7%
Pennsylvania3487120.4%
Illinois2836924.4%
New Jersey2737025.6%
Washington2653011.3%
Wisconsin2523714.7%
Georgia2397832.6%

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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