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

How have SBA loans in Photofinishing Laboratories (except One-Hour) turned out?

Of 257 loans approved in fiscal 2000 to 2021 (at least five years old), 77 (30.0%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Photofinishing Laboratories (except One-Hour) appears on 267 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $57.3 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.
Photofinishing Laboratories (except One-Hour)Industry NAICS 812921 · 267 loans
30%of seasoned loans charged off
  1. Photofinishing Laboratories (except One-Hour) appears on 267 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $57.3 million in gross approvals.
  2. Of 257 loans approved in fiscal 2000 to 2021 (at least five years old), 77 (30.0%) were charged off by the lender, against 15.6% 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%58%Fiscal 2000: 9 of 26 loans charged off (34.6%)Fiscal 2001: 11 of 19 loans charged off (57.9%)Fiscal 2002: 12 of 29 loans charged off (41.4%)Fiscal 2003: 8 of 28 loans charged off (28.6%)Fiscal 2004: 10 of 33 loans charged off (30.3%)Fiscal 2005: 12 of 27 loans charged off (44.4%)Fiscal 2006: 6 of 20 loans charged off (30.0%)Fiscal 2007: 4 of 22 loans charged off (18.2%)Fiscal 2008: 2 of 12 loans charged off (16.7%)200020012002200320042005200620072008
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
FY200026$6.9 million179034.6%
FY200119$5.1 million811057.9%
FY200229$4.9 million1712041.4%
FY200328$5.6 million208028.6%
FY200433$4.6 million2310030.3%
FY200527$5.0 million1512044.4%
FY200620$3.8 million146030.0%
FY200722$1.7 million174118.2%
FY200812$1.8 million102016.7%
FY20098$1.1 million710few loans
FY20103$70,000300few loans
FY20111$50,000100few loans
FY20126$375,200510few loans
FY20138$1.7 million800few loans
FY20141$50,300010few loans
FY20151$85,000100few loans
FY20161$21,000100few loans
FY20171$60,000100few loans
FY20186$3.3 million303few loans
FY20191$250,000100few loans
FY20201$61,000100few loans
FY20213$2.5 million003few loans
FY20221$350,000001too recent for a share
FY20231$2.1 million001too recent for a share
FY20244$820,000004too recent for a share
FY20252$153,000002too recent for a share
FY20262$5.0 million002too recent for a share

By state, where 30 or more loans are at least five years old

StateLoans (FY2000 to 2021)Charged offShare
California501428.0%
New York401435.0%

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 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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