How have SBA loans in Software Publishers turned out?
Of 1,093 loans approved in fiscal 2000 to 2021 (at least five years old), 133 (12.2%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Software Publishers appears on 1,131 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2025, $293.9 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.
Software Publishers appears on 1,131 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2025, $293.9 million in gross approvals.
Of 1,093 loans approved in fiscal 2000 to 2021 (at least five years old), 133 (12.2%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
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.
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 year
Loans
Approved
Paid in full
Charged off
Not yet resolved
Charged-off share
FY2000
2
$700,000
2
0
0
few loans
FY2001
19
$3.5 million
17
2
0
10.5%
FY2002
17
$4.5 million
14
3
0
17.6%
FY2003
29
$4.3 million
26
3
0
10.3%
FY2004
50
$3.2 million
43
7
0
14.0%
FY2005
68
$8.4 million
60
8
0
11.8%
FY2006
68
$9.1 million
51
17
0
25.0%
FY2007
102
$11.9 million
81
20
1
19.6%
FY2008
69
$9.7 million
43
26
0
37.7%
FY2009
48
$10.2 million
34
14
0
29.2%
FY2010
40
$6.7 million
39
1
0
2.5%
FY2011
49
$14.9 million
45
4
0
8.2%
FY2012
34
$4.9 million
34
0
0
0.0%
FY2013
46
$8.6 million
43
3
0
6.5%
FY2014
35
$6.3 million
29
5
1
14.3%
FY2015
61
$17.4 million
58
2
1
3.3%
FY2016
85
$21.6 million
79
5
1
5.9%
FY2017
56
$18.2 million
41
5
10
8.9%
FY2018
79
$28.7 million
60
3
16
3.8%
FY2019
39
$19.5 million
25
4
10
10.3%
FY2020
45
$34.6 million
29
1
15
2.2%
FY2021
52
$33.9 million
30
0
22
0.0%
FY2022
17
$7.1 million
6
0
11
too recent for a share
FY2023
14
$1.3 million
3
1
10
too recent for a share
FY2024
4
$616,000
2
1
1
too recent for a share
FY2025
3
$3.9 million
0
0
3
too recent for a share
By state, where 30 or more loans are at least five years old
State
Loans (FY2000 to 2021)
Charged off
Share
California
166
28
16.9%
Texas
103
9
8.7%
Florida
62
14
22.6%
Massachusetts
58
3
5.2%
New York
49
7
14.3%
Utah
47
9
19.1%
Minnesota
41
2
4.9%
Ohio
41
2
4.9%
Colorado
40
3
7.5%
Washington
37
2
5.4%
Illinois
36
5
13.9%
Pennsylvania
31
2
6.5%
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.