SBA loan outcome check · franchise brand · SBA data as of 30 September 2026

How have SBA loans to Uptown Cheapskate franchisees turned out?

Of 33 loans approved in fiscal 2013 to 2021 (at least five years old), 1 (3.0%) were charged off by the lender, against 6.5% across all 7(a) loans approved in those same years. Uptown Cheapskate appears on 88 SBA-guaranteed 7(a) loans approved from fiscal 2013 to 2026, $45.6 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.

Uptown CheapskateFranchise brand · 88 loans

3%of seasoned loans charged off

Uptown Cheapskate appears on 88 SBA-guaranteed 7(a) loans approved from fiscal 2013 to 2026, $45.6 million in gross approvals.
Of 33 loans approved in fiscal 2013 to 2021 (at least five years old), 1 (3.0%) were charged off by the lender, against 6.5% 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.

Every approval year

Approval year	Loans	Approved	Paid in full	Charged off	Not yet resolved	Charged-off share
FY2013	1	$150,000	1	0	0	few loans
FY2015	1	$275,000	1	0	0	few loans
FY2017	1	$310,000	0	0	1	few loans
FY2018	2	$646,200	0	1	1	few loans
FY2019	6	$1.7 million	4	0	2	few loans
FY2020	8	$2.7 million	4	0	4	few loans
FY2021	14	$6.7 million	5	0	9	0.0%
FY2022	12	$5.5 million	2	0	10	too recent for a share
FY2023	10	$5.1 million	0	0	10	too recent for a share
FY2024	5	$3.2 million	1	0	4	too recent for a share
FY2025	13	$8.9 million	1	0	12	too recent for a share
FY2026	15	$10.5 million	0	0	15	too recent for a share

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 franchise, 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.