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

How have SBA loans to Zaxby's franchisees turned out?

Of 76 loans approved in fiscal 2000 to 2013 (at least five years old), 8 (10.5%) were charged off by the lender, against 20.2% across all 7(a) loans approved in those same years. Zaxby's appears on 76 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2013, $56.3 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.
Zaxby'sFranchise brand · 76 loans
11%of seasoned loans charged off
  1. Zaxby's appears on 76 SBA-guaranteed 7(a) loans approved from fiscal 2000 to 2013, $56.3 million in gross approvals.
  2. Of 76 loans approved in fiscal 2000 to 2013 (at least five years old), 8 (10.5%) were charged off by the lender, against 20.2% 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%33%Fiscal 2003: 1 of 10 loans charged off (10.0%)Fiscal 2004: 1 of 11 loans charged off (9.1%)Fiscal 2005: 4 of 12 loans charged off (33.3%)200320042005
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
FY20001$200,000100few loans
FY20014$2.5 million400few loans
FY20026$6.0 million600few loans
FY200310$6.3 million91010.0%
FY200411$6.6 million10109.1%
FY200512$5.4 million84033.3%
FY20064$2.1 million220few loans
FY20072$2.4 million200few loans
FY20082$2.3 million200few loans
FY20092$328,000200few loans
FY20102$1.8 million200few loans
FY20116$5.6 million600few loans
FY20125$5.2 million500few loans
FY20139$9.5 million900few loans

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.

☆ Save