SBA 7(a) FOIA data · borrowers in Charlotte, NC · FY1992 to FY2025 · as of 2025-12-31
Franchise SBA loans in Charlotte, North Carolina
SBA lenders have made 556 7(a) loans to franchise businesses in Charlotte since 1992, $367.5M in all, across 337 franchise systems and 101 lenders. Of the loans that have been resolved, 15.4% were charged off, 0.6 points below the national franchise rate of 16.0%. This is what the loan record says about which brands got financed here and how it went. It is not a list of territories for sale; we hold no availability data for any brand.
Headline numbers
- Franchise loans
- 556
- since FY1992
- Approved
- $367.5M
- gross loan amounts
- Charge-off rate
- 15.4%
- 371 resolved loans; national 16.0%
- Systems financed
- 337
- 101 lenders
Franchise systems financed in Charlotte
The twenty systems with the most SBA loans to Charlotte borrowers. The verdict grade is the brand's national grade on this site, an editorial assessment and not investment advice. “Locations on file” counts current franchisee locations we hold anywhere in North Carolina: presence, not availability.
| System | Loans here | Charge-off here | Approved | Verdict | Locations on file, NC |
|---|---|---|---|---|---|
| Subway Sandwich Shop | 19 | 0.0% | $3.6M | A: Strongest tier | not on file |
| The UPS Store | 12 | limited data | $7.0M | A: Strongest tier | 175 |
| Jersey Mike's | 8 | limited data | $1.8M | A: Strongest tier | 212 |
| Quiznos | 8 | limited data | $1.3M | F: Weakest tier | 1 |
| Smoothie King | 8 | limited data | $1.6M | B: Above average | not on file |
| Anytime Fitness | 7 | limited data | $3.2M | B: Above average | 50 |
| Servpro | 6 | limited data | $1.2M | B: Above average | 76 |
| Knights Inn | 5 | limited data | $5.9M | not graded | not on file |
| Mellow Mushroom | 5 | limited data | $1.2M | B: Above average | 16 |
| Naturals2Go | 5 | limited data | $575K | not graded | not on file |
| Quality Inn | 5 | limited data | $11.8M | not graded | not on file |
| Super 8 Motel | 5 | limited data | $6.2M | A: Strongest tier | not on file |
| Aqua-Tots | 4 | limited data | $6.4M | B: Above average | not on file |
| Days Inn | 4 | limited data | $8.8M | B: Above average | not on file |
| Fastsigns | 4 | limited data | $2.8M | A: Strongest tier | 1 |
| Jimmy John's | 4 | limited data | $3.4M | A: Strongest tier | 86 |
| Kiddie Academy | 4 | limited data | $8.2M | A: Strongest tier | not on file |
| Rodeway Inn by Choice Hotels/R | 4 | limited data | $10.0M | B: Above average | 1 |
| Supercuts | 4 | limited data | $552K | B: Above average | not on file |
| Ameriprise Financial | 3 | limited data | $1.4M | A: Strongest tier | 60 |
Lenders most active in Charlotte
Where a franchise buyer in Charlotte has historically found a 7(a) lender. A lender's local rate reflects which systems it funded here as much as its underwriting.
| Lender | Loans here | Charge-off here | Approved |
|---|---|---|---|
| Wells Fargo Bank National Association | 42 | 12.1% | $24.6M |
| The Huntington National Bank | 35 | limited data | $11.0M |
| Truist Bank | 29 | 7.4% | $8.3M |
| Readycap Lending, LLC | 27 | 13.0% | $12.7M |
| United Midwest Savings Bank National Association | 25 | limited data | $3.9M |
| Stearns Bank National Association | 24 | 10.5% | $5.9M |
| Live Oak Banking Company | 23 | 0.0% | $32.0M |
| Community West Bank | 18 | 27.8% | $4.5M |
| United Community Bank | 18 | 10.0% | $17.8M |
| First-Citizens Bank & Trust Company | 17 | 31.2% | $6.0M |
| First Horizon Bank | 16 | 0.0% | $5.1M |
| Pinnacle Bank | 16 | limited data | $13.9M |
Franchise loans approved per year
Approvals by SBA fiscal year, the last decade. A quiet year is a quiet year for new lending, not for the businesses already running.
- FY201514
- FY201620
- FY201733
- FY201835
- FY201935
- FY202034
- FY202127
- FY202225
- FY202335
- FY202433
- FY202537
Reading this page
- Does a loan in Charlotte mean a franchise is available in Charlotte?
- No. A loan shows that a franchisee opened or bought a unit in Charlotte and financed it with an SBA 7(a) loan. Whether a territory near you is open now is known only to the franchisor, so ask before you rely on it. FranchiseVerdict holds no territory-availability data for any brand.
- What does the charge-off rate on this page measure?
- Loans that were charged off divided by loans that were resolved, meaning paid in full or charged off. Loans still open count in neither. It is a loan outcome, not a unit failure rate and not a measure of profit, and it is an editorial reading of SBA's data, not investment advice.
- Why does the table say "limited data" for some systems in Charlotte?
- A rate is printed only where at least ten loans in the city have been resolved. Below that, one loan moves the number by ten points or more, so the table says limited data instead of a figure that would not survive the next loan.
- Which of these brands already operate in North Carolina?
- FranchiseVerdict holds current franchisee location records in North Carolina for 10 of the 20 systems on this page that have a brand page. That is evidence a brand runs units in the state today; a brand with none on file may still operate there, because owner-record coverage is partial.
Talk to franchise owners in North Carolina
The loan record says how financing went; an owner says how the business goes. FranchiseVerdict sells verified franchisee contact lists filtered by state, $49 per brand, for personal due diligence only, not telemarketing or automated calls. We hold North Carolina owner records for 10 of the 20 systems above that have a brand page.
Get owner contacts — $49/brand