How have SBA loans in Bed-and-Breakfast Inns turned out?
Of 1,141 loans approved in fiscal 2000 to 2021 (at least five years old), 89 (7.8%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Bed-and-Breakfast Inns appears on 1,270 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $758.1 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.
Bed-and-Breakfast Inns appears on 1,270 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $758.1 million in gross approvals.
Of 1,141 loans approved in fiscal 2000 to 2021 (at least five years old), 89 (7.8%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
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.
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 year
Loans
Approved
Paid in full
Charged off
Not yet resolved
Charged-off share
FY2000
1
$825,000
0
0
1
few loans
FY2001
67
$29.9 million
65
2
0
3.0%
FY2002
87
$38.7 million
82
5
0
5.7%
FY2003
89
$32.4 million
86
3
0
3.4%
FY2004
74
$25.4 million
62
11
1
14.9%
FY2005
63
$27.0 million
50
12
1
19.0%
FY2006
62
$14.4 million
48
13
1
21.0%
FY2007
52
$11.2 million
35
16
1
30.8%
FY2008
36
$9.6 million
28
8
0
22.2%
FY2009
37
$14.0 million
31
6
0
16.2%
FY2010
47
$23.6 million
42
2
3
4.3%
FY2011
54
$35.8 million
50
3
1
5.6%
FY2012
34
$21.1 million
34
0
0
0.0%
FY2013
37
$21.2 million
31
0
6
0.0%
FY2014
45
$33.8 million
39
2
4
4.4%
FY2015
56
$38.2 million
48
2
6
3.6%
FY2016
52
$28.7 million
41
2
9
3.8%
FY2017
66
$41.3 million
51
0
15
0.0%
FY2018
52
$43.1 million
36
2
14
3.8%
FY2019
40
$25.6 million
29
0
11
0.0%
FY2020
35
$33.1 million
23
0
12
0.0%
FY2021
55
$61.6 million
27
0
28
0.0%
FY2022
43
$39.8 million
16
1
26
too recent for a share
FY2023
25
$30.2 million
6
0
19
too recent for a share
FY2024
19
$30.2 million
1
0
18
too recent for a share
FY2025
25
$35.9 million
1
0
24
too recent for a share
FY2026
17
$11.5 million
0
0
17
too recent for a share
By state, where 30 or more loans are at least five years old
State
Loans (FY2000 to 2021)
Charged off
Share
California
165
7
4.2%
Florida
83
9
10.8%
Vermont
66
7
10.6%
New Hampshire
59
11
18.6%
North Carolina
52
2
3.9%
Pennsylvania
51
7
13.7%
New York
51
5
9.8%
Texas
42
3
7.1%
New Jersey
38
5
13.2%
Massachusetts
37
2
5.4%
Maine
34
1
2.9%
Utah
33
0
0.0%
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.