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

How have SBA loans to It's A Grind Coffee franchisees turned out?

Of 54 loans approved in fiscal 2002 to 2013 (at least five years old), 16 (29.6%) were charged off by the lender, against 20.8% across all 7(a) loans approved in those same years. It's A Grind Coffee appears on 54 SBA-guaranteed 7(a) loans approved from fiscal 2002 to 2013, $12.2 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.
It's A Grind CoffeeFranchise brand · 54 loans
30%of seasoned loans charged off
  1. It's A Grind Coffee appears on 54 SBA-guaranteed 7(a) loans approved from fiscal 2002 to 2013, $12.2 million in gross approvals.
  2. Of 54 loans approved in fiscal 2002 to 2013 (at least five years old), 16 (29.6%) were charged off by the lender, against 20.8% 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.

Every approval year

Approval yearLoansApprovedPaid in fullCharged offNot yet resolvedCharged-off share
FY20023$437,000300few loans
FY20038$1.6 million800few loans
FY20045$1.2 million410few loans
FY200512$2.6 million102016.7%
FY200611$2.8 million56054.5%
FY20077$1.8 million520few loans
FY20085$1.2 million230few loans
FY20091$315,000010few loans
FY20101$10,000010few loans
FY20131$100,000100few 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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