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

How have SBA loans in All Other Personal Services turned out?

Of 8,030 loans approved in fiscal 2000 to 2021 (at least five years old), 1,481 (18.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. All Other Personal Services appears on 10,060 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $2.1 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 Personal ServicesIndustry NAICS 812990 · 10,060 loans
18%of seasoned loans charged off
  1. All Other Personal Services appears on 10,060 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $2.1 billion in gross approvals.
  2. Of 8,030 loans approved in fiscal 2000 to 2021 (at least five years old), 1,481 (18.4%) 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: 3 of 19 loans charged off (15.8%)Fiscal 2001: 34 of 241 loans charged off (14.1%)Fiscal 2002: 38 of 290 loans charged off (13.1%)Fiscal 2003: 73 of 390 loans charged off (18.7%)Fiscal 2004: 88 of 391 loans charged off (22.5%)Fiscal 2005: 142 of 544 loans charged off (26.1%)Fiscal 2006: 267 of 808 loans charged off (33.0%)Fiscal 2007: 361 of 938 loans charged off (38.5%)Fiscal 2008: 170 of 592 loans charged off (28.7%)Fiscal 2009: 28 of 258 loans charged off (10.9%)Fiscal 2010: 27 of 299 loans charged off (9.0%)Fiscal 2011: 21 of 287 loans charged off (7.3%)Fiscal 2012: 10 of 208 loans charged off (4.8%)Fiscal 2013: 12 of 206 loans charged off (5.8%)Fiscal 2014: 27 of 249 loans charged off (10.8%)Fiscal 2015: 33 of 358 loans charged off (9.2%)Fiscal 2016: 34 of 396 loans charged off (8.6%)Fiscal 2017: 39 of 418 loans charged off (9.3%)Fiscal 2018: 41 of 349 loans charged off (11.7%)Fiscal 2019: 18 of 304 loans charged off (5.9%)Fiscal 2020: 8 of 244 loans charged off (3.3%)Fiscal 2021: 7 of 241 loans charged off (2.9%)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
FY200019$4.7 million163015.8%
FY2001241$29.2 million20734014.1%
FY2002290$28.4 million25138113.1%
FY2003390$35.2 million31673118.7%
FY2004391$32.6 million30288122.5%
FY2005544$55.3 million401142126.1%
FY2006808$72.2 million539267233.0%
FY2007938$77.9 million575361238.5%
FY2008592$55.3 million420170228.7%
FY2009258$36.6 million22928110.9%
FY2010299$54.4 million2692739.0%
FY2011287$62.0 million2622147.3%
FY2012208$44.0 million1941044.8%
FY2013206$49.5 million1901245.8%
FY2014249$60.3 million21727510.8%
FY2015358$73.0 million31233139.2%
FY2016396$98.0 million34434188.6%
FY2017418$112.4 million32939509.3%
FY2018349$104.1 million226418211.7%
FY2019304$103.5 million19418925.9%
FY2020244$81.7 million1508863.3%
FY2021241$126.8 million10871262.9%
FY2022338$114.3 million8222234too recent for a share
FY2023369$96.9 million6027282too recent for a share
FY2024494$148.0 million446444too recent for a share
FY2025577$189.1 million181558too recent for a share
FY2026252$114.6 million10251too recent for a share

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

StateLoans (FY2000 to 2021)Charged offShare
California83018322.1%
Texas79915919.9%
Florida49813226.5%
New York4289622.4%
Ohio3675916.1%
Illinois3307422.4%
Michigan2904916.9%
Pennsylvania2873813.2%
Arizona2586424.8%
New Jersey2475622.7%
Georgia2335824.9%
Massachusetts2152310.7%

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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