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

How have SBA loans in Mail-Order Houses turned out?

Of 207 loans approved in fiscal 2003 to 2019 (at least five years old), 34 (16.4%) were charged off by the lender, against 16.7% across all 7(a) loans approved in those same years. Mail-Order Houses appears on 214 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2025, $48.2 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.
Mail-Order HousesIndustry NAICS 454113 · 214 loans
16%of seasoned loans charged off
  1. Mail-Order Houses appears on 214 SBA-guaranteed 7(a) loans approved from fiscal 2003 to 2025, $48.2 million in gross approvals.
  2. Of 207 loans approved in fiscal 2003 to 2019 (at least five years old), 34 (16.4%) were charged off by the lender, against 16.7% 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%38%Fiscal 2003: 3 of 12 loans charged off (25.0%)Fiscal 2004: 3 of 19 loans charged off (15.8%)Fiscal 2005: 1 of 19 loans charged off (5.3%)Fiscal 2006: 5 of 13 loans charged off (38.5%)Fiscal 2007: 8 of 29 loans charged off (27.6%)Fiscal 2008: 4 of 17 loans charged off (23.5%)Fiscal 2009: 1 of 13 loans charged off (7.7%)Fiscal 2010: 1 of 15 loans charged off (6.7%)Fiscal 2011: 1 of 10 loans charged off (10.0%)Fiscal 2015: 3 of 18 loans charged off (16.7%)Fiscal 2016: 2 of 17 loans charged off (11.8%)20032004200520062007200820092010201120152016
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
FY200312$944,30093025.0%
FY200419$3.3 million163015.8%
FY200519$2.3 million18105.3%
FY200613$3.4 million85038.5%
FY200729$6.9 million208127.6%
FY200817$2.4 million134023.5%
FY200913$5.7 million12107.7%
FY201015$6.2 million14106.7%
FY201110$4.7 million91010.0%
FY20127$1.6 million700few loans
FY20136$920,000510few loans
FY20147$2.0 million601few loans
FY201518$4.1 million153016.7%
FY201617$2.4 million142111.8%
FY20173$365,000300few loans
FY20192$276,500110few loans
FY20221$223,200100too recent for a share
FY20232$275,000002too recent for a share
FY20243$150,000003too recent for a share
FY20251$40,000001too recent for a share

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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