How have SBA loans in Soil Preparation, Planting, and Cultivating turned out?
Of 493 loans approved in fiscal 2000 to 2021 (at least five years old), 27 (5.5%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Soil Preparation, Planting, and Cultivating appears on 594 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $162.2 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.
Soil Preparation, Planting, and CultivatingIndustry NAICS 115112 · 594 loans
5%of seasoned loans charged off
Soil Preparation, Planting, and Cultivating appears on 594 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $162.2 million in gross approvals.
Of 493 loans approved in fiscal 2000 to 2021 (at least five years old), 27 (5.5%) 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
15
$2.4 million
14
1
0
6.7%
FY2001
13
$4.0 million
11
2
0
15.4%
FY2002
13
$2.4 million
13
0
0
0.0%
FY2003
21
$1.8 million
21
0
0
0.0%
FY2004
27
$5.8 million
24
3
0
11.1%
FY2005
26
$6.4 million
25
1
0
3.8%
FY2006
32
$3.9 million
28
4
0
12.5%
FY2007
22
$4.9 million
20
1
1
4.5%
FY2008
28
$7.3 million
28
0
0
0.0%
FY2009
30
$7.9 million
28
2
0
6.7%
FY2010
24
$7.3 million
21
3
0
12.5%
FY2011
36
$8.5 million
33
3
0
8.3%
FY2012
20
$8.9 million
15
1
4
5.0%
FY2013
14
$6.0 million
12
2
0
14.3%
FY2014
22
$7.3 million
21
0
1
0.0%
FY2015
27
$5.3 million
24
2
1
7.4%
FY2016
31
$6.6 million
30
1
0
3.2%
FY2017
17
$3.0 million
16
0
1
0.0%
FY2018
20
$7.4 million
17
0
3
0.0%
FY2019
21
$3.1 million
14
1
6
4.8%
FY2020
16
$5.1 million
12
0
4
0.0%
FY2021
18
$12.1 million
11
0
7
0.0%
FY2022
22
$6.7 million
12
0
10
too recent for a share
FY2023
24
$10.3 million
4
2
18
too recent for a share
FY2024
18
$4.0 million
3
0
15
too recent for a share
FY2025
18
$6.1 million
0
0
18
too recent for a share
FY2026
19
$7.9 million
0
0
19
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
67
2
3.0%
North Dakota
37
1
2.7%
Minnesota
32
0
0.0%
Texas
30
4
13.3%
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.