How have SBA loans in Commercial Bakeries turned out?
Of 1,540 loans approved in fiscal 2000 to 2021 (at least five years old), 261 (17.0%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Commercial Bakeries appears on 1,780 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $582.3 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.
Commercial Bakeries appears on 1,780 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $582.3 million in gross approvals.
Of 1,540 loans approved in fiscal 2000 to 2021 (at least five years old), 261 (17.0%) 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
49
$11.3 million
37
12
0
24.5%
FY2001
56
$16.3 million
44
12
0
21.4%
FY2002
59
$16.4 million
53
6
0
10.2%
FY2003
60
$8.1 million
51
9
0
15.0%
FY2004
94
$16.1 million
69
25
0
26.6%
FY2005
113
$15.8 million
83
30
0
26.5%
FY2006
102
$18.0 million
62
39
1
38.2%
FY2007
85
$13.3 million
50
34
1
40.0%
FY2008
68
$8.7 million
48
19
1
27.9%
FY2009
46
$11.2 million
39
7
0
15.2%
FY2010
67
$13.3 million
59
8
0
11.9%
FY2011
75
$23.7 million
64
10
1
13.3%
FY2012
61
$19.9 million
53
7
1
11.5%
FY2013
77
$33.6 million
65
7
5
9.1%
FY2014
88
$36.7 million
82
5
1
5.7%
FY2015
87
$29.5 million
78
4
5
4.6%
FY2016
89
$34.7 million
72
7
10
7.9%
FY2017
61
$24.1 million
47
3
11
4.9%
FY2018
79
$26.6 million
56
8
15
10.1%
FY2019
51
$24.6 million
34
7
10
13.7%
FY2020
31
$18.6 million
17
1
13
3.2%
FY2021
42
$23.0 million
21
1
20
2.4%
FY2022
40
$13.7 million
8
3
29
too recent for a share
FY2023
52
$31.0 million
16
5
31
too recent for a share
FY2024
52
$28.4 million
3
0
49
too recent for a share
FY2025
67
$30.0 million
4
0
63
too recent for a share
FY2026
29
$35.5 million
0
0
29
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
229
32
14.0%
New York
135
36
26.7%
Texas
86
16
18.6%
Florida
69
19
27.5%
Pennsylvania
66
15
22.7%
Massachusetts
62
6
9.7%
Michigan
52
4
7.7%
Puerto Rico
49
11
22.4%
Utah
46
8
17.4%
Illinois
43
6
14.0%
Washington
41
5
12.2%
Ohio
41
9
21.9%
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.