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

How have SBA loans in Real Estate Credit turned out?

Of 178 loans approved in fiscal 2001 to 2021 (at least five years old), 59 (33.1%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Real Estate Credit appears on 187 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2023, $44.6 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.
Real Estate CreditIndustry NAICS 522292 · 187 loans
33%of seasoned loans charged off
  1. Real Estate Credit appears on 187 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2023, $44.6 million in gross approvals.
  2. Of 178 loans approved in fiscal 2001 to 2021 (at least five years old), 59 (33.1%) 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 2003: 3 of 12 loans charged off (25.0%)Fiscal 2004: 4 of 15 loans charged off (26.7%)Fiscal 2005: 5 of 15 loans charged off (33.3%)Fiscal 2006: 18 of 31 loans charged off (58.1%)Fiscal 2007: 19 of 42 loans charged off (45.2%)Fiscal 2008: 7 of 13 loans charged off (53.8%)200320042005200620072008
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
FY20012$597,000110few loans
FY20028$1.5 million710few loans
FY200312$4.2 million93025.0%
FY200415$2.5 million114026.7%
FY200515$1.1 million105033.3%
FY200631$4.5 million1318058.1%
FY200742$4.3 million2219145.2%
FY200813$460,00067053.8%
FY20094$750,000310few loans
FY20113$375,000300few loans
FY20121$350,000100few loans
FY20131$314,000100few loans
FY20143$479,000300few loans
FY20153$1.5 million300few loans
FY20165$5.4 million401few loans
FY20177$4.9 million502few loans
FY20185$7.0 million203few loans
FY20193$295,000201few loans
FY20203$640,000102few loans
FY20212$1.4 million101few loans
FY20226$1.4 million204too recent for a share
FY20233$750,000003too 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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