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

How have SBA loans to Jimmy John's franchisees turned out?

Of 361 loans approved in fiscal 2012 to 2018 (at least five years old), 25 (6.9%) were charged off by the lender, against 7.1% across all 7(a) loans approved in those same years. Jimmy John's appears on 361 SBA-guaranteed 7(a) loans approved from fiscal 2012 to 2018, $163.8 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.

Jimmy John'sFranchise brand · 361 loans

7%of seasoned loans charged off

Jimmy John's appears on 361 SBA-guaranteed 7(a) loans approved from fiscal 2012 to 2018, $163.8 million in gross approvals.
Of 361 loans approved in fiscal 2012 to 2018 (at least five years old), 25 (6.9%) were charged off by the lender, against 7.1% 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
FY2012	5	$2.4 million	5	0	0	few loans
FY2013	17	$6.1 million	17	0	0	0.0%
FY2014	79	$32.7 million	71	7	1	8.9%
FY2015	108	$48.7 million	98	6	4	5.6%
FY2016	84	$38.9 million	73	6	5	7.1%
FY2017	58	$30.9 million	41	3	14	5.2%
FY2018	10	$4.0 million	5	3	2	30.0%

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.