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

How have SBA loans to Manhattan Bagel Co. franchisees turned out?

Of 30 loans approved in fiscal 2000 to 2012 (at least five years old), 7 (23.3%) were charged off by the lender, against 21.0% across all 7(a) loans approved in those same years. Manhattan Bagel Co. appears on 30 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2012, $5.9 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.
Manhattan Bagel Co.Franchise brand · 30 loans
23%of seasoned loans charged off
  1. Manhattan Bagel Co. appears on 30 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2012, $5.9 million in gross approvals.
  2. Of 30 loans approved in fiscal 2000 to 2012 (at least five years old), 7 (23.3%) were charged off by the lender, against 21.0% 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
FY20009$1.4 million540few loans
FY20015$1.5 million500few loans
FY20023$397,000300few loans
FY20033$854,000210few loans
FY20042$210,000200few loans
FY20051$220,000100few loans
FY20072$85,000110few loans
FY20091$336,000100few loans
FY20101$90,000100few loans
FY20111$190,000010few loans
FY20122$538,000200few 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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