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

How have SBA loans to Howard Johnson franchisees turned out?

Of 84 loans approved in fiscal 2000 to 2013 (at least five years old), 19 (22.6%) were charged off by the lender, against 20.2% across all 7(a) loans approved in those same years. Howard Johnson appears on 84 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2013, $111.9 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.
Howard JohnsonFranchise brand · 84 loans
23%of seasoned loans charged off
  1. Howard Johnson appears on 84 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2013, $111.9 million in gross approvals.
  2. Of 84 loans approved in fiscal 2000 to 2013 (at least five years old), 19 (22.6%) were charged off by the lender, against 20.2% 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: 3 of 10 loans charged off (30.0%)Fiscal 2002: 2 of 11 loans charged off (18.2%)Fiscal 2003: 2 of 12 loans charged off (16.7%)Fiscal 2008: 5 of 10 loans charged off (50.0%)2000200220032008
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
FY200010$10.7 million73030.0%
FY20018$10.4 million530few loans
FY200211$14.3 million92018.2%
FY200312$14.2 million102016.7%
FY20047$9.9 million610few loans
FY20055$9.0 million500few loans
FY20063$4.6 million300few loans
FY20074$7.6 million220few loans
FY200810$8.2 million45150.0%
FY20094$7.5 million310few loans
FY20101$1.6 million100few loans
FY20112$2.7 million200few loans
FY20123$5.7 million300few loans
FY20134$5.6 million400few 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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