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

How have SBA loans to X-Golf franchisees turned out?

Of 58 loans approved in fiscal 2018 to 2021 (at least five years old), 1 (1.7%) were charged off by the lender, against 5.9% across all 7(a) loans approved in those same years. X-Golf appears on 131 SBA-guaranteed 7(a) loans approved from fiscal 2018 to 2026, $87.4 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.

X-GolfFranchise brand · 131 loans

2%of seasoned loans charged off

X-Golf appears on 131 SBA-guaranteed 7(a) loans approved from fiscal 2018 to 2026, $87.4 million in gross approvals.
Of 58 loans approved in fiscal 2018 to 2021 (at least five years old), 1 (1.7%) were charged off by the lender, against 5.9% 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
FY2018	6	$2.5 million	5	0	1	few loans
FY2019	12	$4.9 million	7	0	5	0.0%
FY2020	6	$2.6 million	3	0	3	few loans
FY2021	34	$20.8 million	10	1	23	2.9%
FY2022	17	$12.0 million	3	1	13	too recent for a share
FY2023	35	$27.9 million	3	0	32	too recent for a share
FY2024	8	$6.8 million	0	0	8	too recent for a share
FY2025	12	$8.4 million	0	0	12	too recent for a share
FY2026	1	$1.4 million	0	0	1	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.