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

How have SBA loans to Big O Tires franchisees turned out?

Of 165 loans approved in fiscal 2000 to 2018 (at least five years old), 29 (17.6%) were charged off by the lender, against 16.9% across all 7(a) loans approved in those same years. Big O Tires appears on 165 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2018, $86.3 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 O TiresFranchise brand · 165 loans
18%of seasoned loans charged off
  1. Big O Tires appears on 165 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2018, $86.3 million in gross approvals.
  2. Of 165 loans approved in fiscal 2000 to 2018 (at least five years old), 29 (17.6%) were charged off by the lender, against 16.9% 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%50%Fiscal 2000: 6 of 19 loans charged off (31.6%)Fiscal 2001: 1 of 12 loans charged off (8.3%)Fiscal 2002: 4 of 15 loans charged off (26.7%)Fiscal 2003: 1 of 17 loans charged off (5.9%)Fiscal 2004: 4 of 16 loans charged off (25.0%)Fiscal 2005: 3 of 11 loans charged off (27.3%)Fiscal 2007: 6 of 12 loans charged off (50.0%)Fiscal 2008: 1 of 12 loans charged off (8.3%)Fiscal 2015: 1 of 10 loans charged off (10.0%)200020012002200320042005200720082015
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$11.4 million136031.6%
FY200112$5.8 million11108.3%
FY200215$7.0 million114026.7%
FY200317$12.2 million16105.9%
FY200416$8.1 million124025.0%
FY200511$5.8 million83027.3%
FY20066$1.8 million411few loans
FY200712$4.5 million56150.0%
FY200812$5.4 million11108.3%
FY20092$447,000200few loans
FY20103$1.5 million300few loans
FY20114$572,400310few loans
FY20123$3.8 million300few loans
FY20135$1.7 million500few loans
FY20144$2.9 million400few loans
FY201510$7.4 million91010.0%
FY20165$1.4 million500few loans
FY20177$2.9 million502few loans
FY20182$1.5 million101few 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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