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

How have SBA loans in Supermarkets and Other Grocery (except Convenience) Stores turned out?

Of 9,520 loans approved in fiscal 2000 to 2021 (at least five years old), 1,819 (19.1%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Supermarkets and Other Grocery (except Convenience) Stores appears on 11,078 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $4.9 billion 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.
Supermarkets and Other Grocery (except Convenience) StoresIndustry NAICS 445110 · 11,078 loans
19%of seasoned loans charged off
  1. Supermarkets and Other Grocery (except Convenience) Stores appears on 11,078 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2026, $4.9 billion in gross approvals.
  2. Of 9,520 loans approved in fiscal 2000 to 2021 (at least five years old), 1,819 (19.1%) 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%38%Fiscal 2000: 56 of 329 loans charged off (17.0%)Fiscal 2001: 58 of 365 loans charged off (15.9%)Fiscal 2002: 71 of 449 loans charged off (15.8%)Fiscal 2003: 90 of 474 loans charged off (19.0%)Fiscal 2004: 140 of 684 loans charged off (20.5%)Fiscal 2005: 225 of 870 loans charged off (25.9%)Fiscal 2006: 294 of 885 loans charged off (33.2%)Fiscal 2007: 308 of 804 loans charged off (38.3%)Fiscal 2008: 169 of 487 loans charged off (34.7%)Fiscal 2009: 57 of 289 loans charged off (19.7%)Fiscal 2010: 34 of 286 loans charged off (11.9%)Fiscal 2011: 28 of 356 loans charged off (7.9%)Fiscal 2012: 30 of 328 loans charged off (9.1%)Fiscal 2013: 38 of 301 loans charged off (12.6%)Fiscal 2014: 35 of 349 loans charged off (10.0%)Fiscal 2015: 27 of 381 loans charged off (7.1%)Fiscal 2016: 43 of 364 loans charged off (11.8%)Fiscal 2017: 44 of 367 loans charged off (12.0%)Fiscal 2018: 32 of 327 loans charged off (9.8%)Fiscal 2019: 18 of 245 loans charged off (7.3%)Fiscal 2020: 10 of 247 loans charged off (4.0%)Fiscal 2021: 12 of 333 loans charged off (3.6%)20002002200420062008201020122014201620182020
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
FY2000329$91.5 million27356017.0%
FY2001365$103.3 million30558215.9%
FY2002449$130.9 million37671215.8%
FY2003474$101.3 million38290219.0%
FY2004684$146.3 million541140320.5%
FY2005870$178.9 million643225225.9%
FY2006885$174.9 million586294533.2%
FY2007804$160.0 million490308638.3%
FY2008487$132.7 million311169734.7%
FY2009289$95.7 million222571019.7%
FY2010286$108.7 million24334911.9%
FY2011356$185.7 million3212877.9%
FY2012328$170.8 million28730119.1%
FY2013301$156.3 million247381612.6%
FY2014349$239.3 million295351910.0%
FY2015381$236.8 million32327317.1%
FY2016364$231.3 million282433911.8%
FY2017367$206.5 million269445412.0%
FY2018327$214.0 million21632799.8%
FY2019245$131.0 million15118767.3%
FY2020247$167.8 million128101094.0%
FY2021333$331.9 million141121803.6%
FY2022281$208.6 million8413184too recent for a share
FY2023392$256.5 million7517300too recent for a share
FY2024340$226.3 million408292too recent for a share
FY2025339$311.2 million181320too recent for a share
FY2026206$188.4 million10205too recent for a share

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

StateLoans (FY2000 to 2021)Charged offShare
California1,81229116.1%
New York1,47931021.0%
Texas4128821.4%
Pennsylvania3938421.4%
Michigan3889624.7%
Ohio3627420.4%
New Jersey3596919.2%
Washington3484312.4%
Illinois3138727.8%
Florida2636424.3%
Georgia2415924.5%
Massachusetts2384518.9%

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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