How have SBA loans in Full-Service Restaurants turned out?
Of 21,770 loans approved in fiscal 2000 to 2021 (at least five years old), 1,781 (8.2%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Full-Service Restaurants appears on 33,335 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $15.3 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 Restaurants appears on 33,335 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $15.3 billion in gross approvals.
Of 21,770 loans approved in fiscal 2000 to 2021 (at least five years old), 1,781 (8.2%) 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
10
$2.6 million
10
0
0
0.0%
FY2001
1
$140,300
0
1
0
few loans
FY2002
5
$2.8 million
3
2
0
few loans
FY2003
7
$1.5 million
6
1
0
few loans
FY2004
7
$3.5 million
4
3
0
few loans
FY2005
15
$6.8 million
9
6
0
40.0%
FY2006
15
$7.6 million
5
8
2
53.3%
FY2007
32
$10.7 million
10
20
2
62.5%
FY2008
28
$13.1 million
10
16
2
57.1%
FY2009
25
$12.0 million
11
13
1
52.0%
FY2010
23
$14.3 million
8
11
4
47.8%
FY2011
30
$15.1 million
14
14
2
46.7%
FY2012
124
$63.2 million
64
52
8
41.9%
FY2013
1,328
$504.5 million
1,145
128
55
9.6%
FY2014
2,264
$778.8 million
1,966
177
121
7.8%
FY2015
2,781
$1.0 billion
2,373
250
158
9.0%
FY2016
2,991
$1.1 billion
2,443
273
275
9.1%
FY2017
3,174
$1.2 billion
2,350
263
561
8.3%
FY2018
3,006
$1.2 billion
2,103
235
668
7.8%
FY2019
2,581
$1.2 billion
1,612
166
803
6.4%
FY2020
1,683
$710.1 million
1,001
75
607
4.5%
FY2021
1,640
$1.1 billion
664
67
909
4.1%
FY2022
1,913
$1.1 billion
482
76
1,355
too recent for a share
FY2023
2,481
$1.3 billion
378
86
2,017
too recent for a share
FY2024
2,791
$1.4 billion
252
38
2,501
too recent for a share
FY2025
2,760
$1.5 billion
111
4
2,645
too recent for a share
FY2026
1,620
$966.3 million
11
1
1,608
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
3,067
248
8.1%
New York
1,525
133
8.7%
Texas
1,422
180
12.7%
Ohio
1,238
121
9.8%
Florida
888
89
10.0%
Michigan
842
35
4.2%
Pennsylvania
841
48
5.7%
Washington
795
46
5.8%
Massachusetts
785
45
5.7%
Georgia
776
57
7.3%
New Jersey
764
55
7.2%
Illinois
717
85
11.8%
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.