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

How have SBA loans in Electronic Shopping and Mail-Order Houses turned out?

Of 1,792 loans approved in fiscal 2000 to 2021 (at least five years old), 216 (12.0%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Electronic Shopping and Mail-Order Houses appears on 2,151 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2025, $714.0 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.
Electronic Shopping and Mail-Order HousesIndustry NAICS 454110 · 2,151 loans
12%of seasoned loans charged off
  1. Electronic Shopping and Mail-Order Houses appears on 2,151 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2025, $714.0 million in gross approvals.
  2. Of 1,792 loans approved in fiscal 2000 to 2021 (at least five years old), 216 (12.0%) 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%17%Fiscal 2000: 7 of 42 loans charged off (16.7%)Fiscal 2001: 3 of 25 loans charged off (12.0%)Fiscal 2002: 4 of 28 loans charged off (14.3%)Fiscal 2003: 4 of 29 loans charged off (13.8%)Fiscal 2004: 2 of 13 loans charged off (15.4%)Fiscal 2005: 2 of 12 loans charged off (16.7%)Fiscal 2017: 17 of 179 loans charged off (9.5%)Fiscal 2018: 50 of 330 loans charged off (15.2%)Fiscal 2019: 67 of 415 loans charged off (16.1%)Fiscal 2020: 22 of 291 loans charged off (7.6%)Fiscal 2021: 34 of 414 loans charged off (8.2%)20002001200220032004200520172018201920202021
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
FY200042$11.1 million357016.7%
FY200125$5.7 million223012.0%
FY200228$6.6 million234114.3%
FY200329$4.7 million254013.8%
FY200413$1.3 million112015.4%
FY200512$1.6 million102016.7%
FY20065$570,000500few loans
FY20075$603,000320few loans
FY20083$2.3 million120few loans
FY20091$250,000100few loans
FY2017179$34.6 million14817149.5%
FY2018330$76.5 million227505315.2%
FY2019415$127.0 million250679816.1%
FY2020291$122.0 million166221037.6%
FY2021414$234.6 million208341728.2%
FY2022285$59.8 million8222181too recent for a share
FY202347$16.7 million4736too recent for a share
FY202417$5.2 million1016too recent for a share
FY202510$2.8 million0010too recent for a share

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

StateLoans (FY2000 to 2021)Charged offShare
California2833010.6%
New York2413514.5%
Florida1622716.7%
New Jersey1221613.1%
Texas1151815.7%
Pennsylvania6446.3%
Utah5846.9%
Minnesota5359.4%
Colorado4524.4%
Georgia42716.7%
North Carolina3925.1%
Ohio3937.7%

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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