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

How have SBA loans in Full-Service Restaurants turned out?

Of 36,848 loans approved in fiscal 2000 to 2021 (at least five years old), 8,245 (22.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Full-Service Restaurants appears on 36,936 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $8.6 billion 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.
Full-Service RestaurantsIndustry NAICS 722110 · 36,936 loans
22%of seasoned loans charged off
  1. Full-Service Restaurants appears on 36,936 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $8.6 billion in gross approvals.
  2. Of 36,848 loans approved in fiscal 2000 to 2021 (at least five years old), 8,245 (22.4%) 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%37%Fiscal 2000: 213 of 1,220 loans charged off (17.5%)Fiscal 2001: 443 of 2,456 loans charged off (18.0%)Fiscal 2002: 486 of 2,834 loans charged off (17.1%)Fiscal 2003: 507 of 2,853 loans charged off (17.8%)Fiscal 2004: 730 of 3,484 loans charged off (21.0%)Fiscal 2005: 1,041 of 3,842 loans charged off (27.1%)Fiscal 2006: 1,247 of 3,824 loans charged off (32.6%)Fiscal 2007: 1,624 of 4,353 loans charged off (37.3%)Fiscal 2008: 1,059 of 3,276 loans charged off (32.3%)Fiscal 2009: 319 of 1,819 loans charged off (17.5%)Fiscal 2010: 212 of 1,857 loans charged off (11.4%)Fiscal 2011: 190 of 2,272 loans charged off (8.4%)Fiscal 2012: 134 of 1,935 loans charged off (6.9%)Fiscal 2013: 37 of 745 loans charged off (5.0%)Fiscal 2014: 2 of 63 loans charged off (3.2%)20002002200420062008201020122014
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
FY20001,220$287.9 million1,006213117.5%
FY20012,456$515.4 million2,008443518.0%
FY20022,834$660.6 million2,345486317.1%
FY20032,853$581.4 million2,340507617.8%
FY20043,484$720.0 million2,7387301621.0%
FY20053,842$751.8 million2,7801,0412127.1%
FY20063,824$810.7 million2,5481,2472932.6%
FY20074,353$856.4 million2,6761,6245337.3%
FY20083,276$785.3 million2,1731,0594432.3%
FY20091,819$450.5 million1,4703193017.5%
FY20101,857$513.5 million1,6232122211.4%
FY20112,272$784.1 million2,032190508.4%
FY20121,935$633.7 million1,743134586.9%
FY2013745$254.4 million68337255.0%
FY201463$21.3 million61203.2%
FY20171$300,000100few loans
FY20187$4.3 million601few loans
FY20202$2.5 million200few loans
FY20215$1.0 million113few loans
FY202215$1.3 million3111too recent for a share
FY202334$1.9 million3427too recent for a share
FY202428$2.8 million4222too recent for a share
FY202510$5.5 million0010too recent for a share
FY20261$50,000001too recent for a share

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

StateLoans (FY2000 to 2021)Charged offShare
California4,8601,16023.9%
New York2,86765722.9%
Texas2,57164825.2%
Pennsylvania1,87937319.9%
Ohio1,54832020.7%
New Jersey1,37930221.9%
Florida1,24741333.1%
Massachusetts1,24219815.9%
Washington1,23423619.1%
Illinois1,18530325.6%
Wisconsin1,13424221.3%
Georgia1,08132229.8%

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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