SBA loan outcome check · franchise brand · SBA data as of 30 September 2026

How have SBA loans to Big Apple Bagels franchisees turned out?

Of 44 loans approved in fiscal 2000 to 2015 (at least five years old), 16 (36.4%) were charged off by the lender, against 18.6% across all 7(a) loans approved in those same years. Big Apple Bagels appears on 44 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2015, $5.6 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.
Big Apple BagelsFranchise brand · 44 loans
36%of seasoned loans charged off
  1. Big Apple Bagels appears on 44 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2015, $5.6 million in gross approvals.
  2. Of 44 loans approved in fiscal 2000 to 2015 (at least five years old), 16 (36.4%) were charged off by the lender, against 18.6% 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.

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY20005$708,500410few loans
FY20013$445,000210few loans
FY20025$814,730140few loans
FY200310$1.3 million64040.0%
FY20045$669,000320few loans
FY20056$897,500600few loans
FY20061$161,600100few loans
FY20082$119,000020few loans
FY20091$15,000100few loans
FY20101$90,000010few loans
FY20131$25,000010few loans
FY20143$237,100300few loans
FY20151$180,000100few loans

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 franchise, 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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