MISSINGMAINBANKID
Analysis based on 498 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $440.1M.
Total 7(a) loans
498
Total approved
$440.1M
Average loan
$884K
States funded in
14
Charge-off rate
0.57%
FY2020–FY2023 cohort
Paid-in-full rate
33.62%
Average rate
7.28%
Average term
152 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 16 |
| 722513 | Limited-Service Restaurants | 15 |
| 811111 | General Automotive Repair | 14 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 13 |
| 713940 | Fitness and Recreational Sports Centers | 11 |
| 236118 | Residential Remodelers | 10 |
| 238210 | Electrical Contractors | 9 |
| 541219 | Other Accounting Services | 7 |
| 561730 | Landscaping Services | 7 |
| 445291 | Baked Goods Stores | 7 |
Top 10 states
| State | Loans |
|---|---|
| UT | 198 |
| CO | 136 |
| KS | 33 |
| MO | 29 |
| TX | 29 |
| ID | 26 |
| WY | 20 |
| CA | 8 |
| NM | 8 |
| NV | 4 |
Top franchise brands financed
53 franchise loans across 37 distinct brands.
| Franchise | Loans |
|---|---|
| Dirty Dough | 4 |
| Chip/Chip Cookies | 3 |
| Urban Air Adventure Park | 3 |
| X-Golf | 2 |
| Houston TX Hot Chicken | 2 |
| ProColor Collision | 2 |
| Crumbl | 2 |
| The Great Greek Mediterranean | 2 |
| Stretch Lab | 2 |
| Beans & Brews Coffee House | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.