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

How have SBA loans in Roofing, Siding, and Insulation Material Merchant Wholesalers turned out?

Of 256 loans approved in fiscal 2002 to 2021 (at least five years old), 38 (14.8%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Roofing, Siding, and Insulation Material Merchant Wholesalers appears on 303 SBA-guaranteed 7(a) loans approved from fiscal 2002 to 2026, $109.4 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.
Roofing, Siding, and Insulation Material Merchant WholesalersIndustry NAICS 423330 · 303 loans
15%of seasoned loans charged off
  1. Roofing, Siding, and Insulation Material Merchant Wholesalers appears on 303 SBA-guaranteed 7(a) loans approved from fiscal 2002 to 2026, $109.4 million in gross approvals.
  2. Of 256 loans approved in fiscal 2002 to 2021 (at least five years old), 38 (14.8%) 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%49%Fiscal 2004: 1 of 24 loans charged off (4.2%)Fiscal 2005: 2 of 13 loans charged off (15.4%)Fiscal 2006: 5 of 16 loans charged off (31.3%)Fiscal 2007: 18 of 37 loans charged off (48.6%)Fiscal 2008: 5 of 19 loans charged off (26.3%)Fiscal 2009: 0 of 12 loans charged off (0.0%)Fiscal 2011: 1 of 15 loans charged off (6.7%)Fiscal 2013: 0 of 11 loans charged off (0.0%)Fiscal 2014: 0 of 13 loans charged off (0.0%)Fiscal 2015: 1 of 12 loans charged off (8.3%)Fiscal 2016: 0 of 10 loans charged off (0.0%)Fiscal 2017: 2 of 13 loans charged off (15.4%)Fiscal 2021: 1 of 20 loans charged off (5.0%)2004200620082011201420162021
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
FY20021$250,000100few loans
FY20039$2.0 million810few loans
FY200424$5.1 million23104.2%
FY200513$1.8 million112015.4%
FY200616$2.3 million115031.3%
FY200737$5.3 million1718248.6%
FY200819$3.4 million145026.3%
FY200912$3.0 million12000.0%
FY20109$2.2 million810few loans
FY201115$3.9 million14106.7%
FY20127$1.7 million700few loans
FY201311$8.9 million10010.0%
FY201413$5.2 million13000.0%
FY201512$7.0 million11108.3%
FY201610$2.5 million10000.0%
FY201713$7.3 million92215.4%
FY20185$3.0 million203few loans
FY20193$246,200102few loans
FY20207$3.9 million304few loans
FY202120$9.5 million10195.0%
FY202210$7.1 million316too recent for a share
FY20238$1.4 million215too recent for a share
FY202411$10.4 million218too recent for a share
FY202510$8.9 million0010too recent for a share
FY20268$3.0 million008too recent for a share

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

StateLoans (FY2002 to 2021)Charged offShare
Texas31722.6%

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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