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

How have SBA loans in One-Hour Photofinishing turned out?

Of 73 loans approved in fiscal 2001 to 2012 (at least five years old), 25 (34.3%) were charged off by the lender, against 21.3% across all 7(a) loans approved in those same years. One-Hour Photofinishing appears on 75 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2025, $7.3 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.
One-Hour PhotofinishingIndustry NAICS 812922 · 75 loans
34%of seasoned loans charged off
  1. One-Hour Photofinishing appears on 75 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2025, $7.3 million in gross approvals.
  2. Of 73 loans approved in fiscal 2001 to 2012 (at least five years old), 25 (34.3%) were charged off by the lender, against 21.3% 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%36%Fiscal 2002: 5 of 16 loans charged off (31.3%)Fiscal 2003: 1 of 11 loans charged off (9.1%)Fiscal 2004: 5 of 14 loans charged off (35.7%)200220032004
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
FY20018$1.2 million710few loans
FY200216$1.7 million115031.3%
FY200311$1.6 million10109.1%
FY200414$1.1 million95035.7%
FY20059$560,500450few loans
FY20065$275,000230few loans
FY20073$257,500030few loans
FY20081$16,500010few loans
FY20091$12,500100few loans
FY20102$138,000110few loans
FY20111$10,000100few loans
FY20122$40,000200few loans
FY20221$399,800001too recent for a share
FY20251$50,000001too 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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