CeoCult · Business funding tool · SBA data as of 30 September 2026
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Example result. Open Dunkin Donuts as its own page
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.
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.
You read it as loans by approval year, not as a score.
The brands with the most SBA 7(a) loans that are old enough to judge are mostly restaurant and retail chains. The table shows the ten largest by loan count; a share is a count of loans and not a verdict on the brand.
| Franchise brand | Seasoned loans | Charged off | Share |
|---|---|---|---|
| Subway Sandwich Shop | 3,002 | 185 | 6.2% |
| Quiznos | 2,003 | 572 | 28.6% |
| Cold Stone Creamery, Inc. | 808 | 277 | 34.3% |
| Mail Boxes Etc. Usa | 667 | 87 | 13.0% |
| Dunkin Donuts | 604 | 53 | 8.8% |
| Dairy Queen | 583 | 64 | 11.0% |
| Subway | 554 | 59 | 10.7% |
| Sports Clips | 440 | 20 | 4.5% |
| Matco Tools (Rent Tools) | 417 | 148 | 35.5% |
| Curves For Women | 403 | 79 | 19.6% |
Loans approved in fiscal 2000 to 2021, from the SBA's 7(a) FOIA data as of 30 September 2026. National share across all 7(a) loans in those years: 15.6%.
The most common mistake reads a loan statistic as a franchise rating. The two measure different things.
"This brand has a 29% charge-off share, so the franchise is a bad investment."
Read it as what happened to the loans lenders made to that brand's franchisees in those years, under that period's economy and lending rules. Then read the franchise disclosure document and call current and former franchisees. the FTC consumer guide to buying a franchise explains what to ask for.
Any brand or industry can be shown on another site as a self-sizing panel, free with the source line left in place.
<div data-sba-loan-check data-key="dunkin-donuts-brand-25650"></div>
<script async src="https://ceocult.com/tools/sba-loan-outcome-check/embed.js"></script>Set data-key to the result's key, the last part of its page address.
Type the brand's name into the check. It shows how many SBA-guaranteed 7(a) loans the SBA's file records for it, the share of the loans old enough to judge that the lender charged off, and every approval year, against all 7(a) loans approved in the same years.
A charge-off is a loan the lender has written off as unlikely to be repaid in full. The SBA's file records the status and the amount charged off. A lender can recover part of a charged-off loan later, and the amount charged off is not the final loss.
No. The check reports loans, not franchises. The loans belong to individual franchisees, were made by lenders under SBA rules, and say nothing on their own about the franchisor, the locations or the economy in the years the loans ran. Read the franchise's disclosure document and speak to current and former franchisees.
A loan's outcome depends on its age. A loan approved last year cannot yet have been paid off or charged off in most cases, so comparing it with an older loan would be unfair. Shares are shown only for loans approved at least five fiscal years ago, and only where 30 or more such loans exist.
The SBA assigns a franchise code to each franchise directory entry, and a brand can have more than one code or have been renamed. The check shows each code as the SBA lists it and does not merge them.
No. Only loans guaranteed under the SBA 7(a) program appear. Loans made without an SBA guarantee, and the SBA's 504 and microloan programs, are not in this check.
The SBA's public 7(a) FOIA loan data on data.sba.gov, as of 30 September 2026. The check never shows a borrower's name or address or a lender's name.
Yes. The embed code on this page shows any franchise or industry as a self-sizing panel, free to use with the source line left in place.
The check was built from the SBA's public 7(a) FOIA loan files under a method written and hashed before any rate was published. Every row lands in one status or is counted as excluded, a separate reader recomputes the counts for a random sample of groups from the raw rows, and no borrower, lender or address appears in any output. The same code produces the result on this page, on each result's page and in the embed. What the independent check found. Further reading: the SBA 7(a) loan program; SBA open data; the SBA 7(a) FOIA loan data; 13 CFR Part 120 on SBA business loans; the FTC Franchise Rule compliance guide; the FTC consumer guide to buying a franchise; the SBA guide to buying a franchise; the Census Bureau NAICS page; SBA Lender Match; SBA local assistance.