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

How have SBA loans in Roofing, Siding, and Sheet Metal Contractors turned out?

Of 479 loans approved in fiscal 2000 to 2009 (at least five years old), 77 (16.1%) were charged off by the lender, against 23.7% across all 7(a) loans approved in those same years. Roofing, Siding, and Sheet Metal Contractors appears on 479 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2009, $66.2 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 Sheet Metal ContractorsIndustry NAICS 235610 · 479 loans
16%of seasoned loans charged off
  1. Roofing, Siding, and Sheet Metal Contractors appears on 479 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2009, $66.2 million in gross approvals.
  2. Of 479 loans approved in fiscal 2000 to 2009 (at least five years old), 77 (16.1%) were charged off by the lender, against 23.7% 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%33%Fiscal 2000: 13 of 84 loans charged off (15.5%)Fiscal 2001: 15 of 101 loans charged off (14.9%)Fiscal 2002: 18 of 123 loans charged off (14.6%)Fiscal 2003: 12 of 94 loans charged off (12.8%)Fiscal 2004: 5 of 27 loans charged off (18.5%)Fiscal 2005: 5 of 22 loans charged off (22.7%)Fiscal 2006: 7 of 21 loans charged off (33.3%)2000200120022003200420052006
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
FY200084$12.4 million7113015.5%
FY2001101$12.2 million8615014.9%
FY2002123$19.0 million10518014.6%
FY200394$14.1 million8112112.8%
FY200427$2.6 million225018.5%
FY200522$3.9 million175022.7%
FY200621$1.1 million147033.3%
FY20073$195,000300few loans
FY20083$334,000210few loans
FY20091$350,000010few loans

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

StateLoans (FY2000 to 2021)Charged offShare
California48714.6%
Texas33515.2%

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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