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

How have SBA loans in All Other Specialty Trade Contractors turned out?

Of 13,756 loans approved in fiscal 2002 to 2021 (at least five years old), 2,086 (15.2%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. All Other Specialty Trade Contractors appears on 17,944 SBA-guaranteed 7(a) loans approved from fiscal 2002 to 2026, $5.2 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 Specialty Trade ContractorsIndustry NAICS 238990 · 17,944 loans
15%of seasoned loans charged off
  1. All Other Specialty Trade Contractors appears on 17,944 SBA-guaranteed 7(a) loans approved from fiscal 2002 to 2026, $5.2 billion in gross approvals.
  2. Of 13,756 loans approved in fiscal 2002 to 2021 (at least five years old), 2,086 (15.2%) 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%39%Fiscal 2003: 49 of 305 loans charged off (16.1%)Fiscal 2004: 87 of 569 loans charged off (15.3%)Fiscal 2005: 188 of 837 loans charged off (22.5%)Fiscal 2006: 433 of 1,295 loans charged off (33.4%)Fiscal 2007: 511 of 1,320 loans charged off (38.7%)Fiscal 2008: 236 of 848 loans charged off (27.8%)Fiscal 2009: 66 of 547 loans charged off (12.1%)Fiscal 2010: 46 of 579 loans charged off (7.9%)Fiscal 2011: 50 of 634 loans charged off (7.9%)Fiscal 2012: 38 of 532 loans charged off (7.1%)Fiscal 2013: 33 of 543 loans charged off (6.1%)Fiscal 2014: 48 of 628 loans charged off (7.6%)Fiscal 2015: 50 of 771 loans charged off (6.5%)Fiscal 2016: 67 of 840 loans charged off (8.0%)Fiscal 2017: 57 of 826 loans charged off (6.9%)Fiscal 2018: 54 of 765 loans charged off (7.1%)Fiscal 2019: 38 of 645 loans charged off (5.9%)Fiscal 2020: 17 of 570 loans charged off (3.0%)Fiscal 2021: 18 of 701 loans charged off (2.6%)2003200520072009201120132015201720192021
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
FY20021$312,000100few loans
FY2003305$40.0 million25649016.1%
FY2004569$77.9 million47987315.3%
FY2005837$117.2 million642188722.5%
FY20061,295$121.5 million859433333.4%
FY20071,320$138.4 million802511738.7%
FY2008848$122.7 million609236327.8%
FY2009547$103.9 million47666512.1%
FY2010579$104.0 million5254687.9%
FY2011634$138.5 million57450107.9%
FY2012532$121.6 million4873877.1%
FY2013543$126.7 million49833126.1%
FY2014628$158.0 million55748237.6%
FY2015771$206.8 million68050416.5%
FY2016840$219.3 million72267518.0%
FY2017826$230.6 million660571096.9%
FY2018765$248.2 million579541327.1%
FY2019645$187.0 million432381755.9%
FY2020570$247.3 million361171923.0%
FY2021701$402.4 million347183362.6%
FY2022687$357.3 million21718452too recent for a share
FY2023854$376.3 million16518671too recent for a share
FY20241,058$480.1 million14217899too recent for a share
FY20251,001$483.6 million512948too recent for a share
FY2026588$359.0 million60582too recent for a share

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

StateLoans (FY2002 to 2021)Charged offShare
California1,40021815.6%
Ohio936798.4%
Florida85124628.9%
New York81212415.3%
Texas68210515.4%
Pennsylvania5747713.4%
Michigan501489.6%
Minnesota4895912.1%
Massachusetts4464510.1%
Colorado4337116.4%
Washington4166014.4%
Wisconsin391317.9%

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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