A
SBA 7(a) franchise lending
Alaska
AK
- Total loans
- 178
- Loan volume
- $93.2M
- Charge-off rate
- 14.5%
- Jobs created
- 2,194
Charged off
20
Avg interest
6.82%
Job velocity
2.4
per $100K loaned
Franchises active
116
Highest charge-off rates in Alaska
| Franchise | Resolved loans | State % | National % |
|---|---|---|---|
| Subway Sandwich Shop | 11 | charge-off rate: 0.0% | 6.7% |
Lowest charge-off rates in Alaska
| Franchise | Resolved loans | Charge-off % |
|---|---|---|
| Subway Sandwich Shop | 11 | charge-off rate: 0.0% |
Resolved loans = paid in full + charged off. A brand with fewer than 10 resolved loans in Alaska is left out of both tables: too few resolved loans to judge.
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Charge-off % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722513 | 19 | $13.3M | charge-off rate: 14.3% | |
| Limited-Service Restaurants722211 | 11 | $2.9M | charge-off rate: 0.0% | |
| 722213722213 | 9 | $2.5M | charge-off rate: 0.0% | |
| Hotels & Motels721110 | 7 | $17.2M | charge-off rate: 33.3% | |
| General Automotive Repair811111 | 6 | $8.7M | charge-off rate: 0.0% | |
| Full-Service Restaurants722110 | 6 | $5.8M | charge-off rate: 16.7% | |
| Fitness & Recreational Sports713940 | 6 | $1.6M | charge-off rate: 75.0% | |
| Hardware Stores444130 | 5 | $2.8M | charge-off rate: 0.0% | |
| Full-Service Restaurants722511 | 5 | $4.8M | charge-off rate: 25.0% | |
| 532111532111 | 4 | $2.1M | charge-off rate: 0.0% |
Franchise lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 3 |
| FY1993 | 14 |
| FY1994 | 8 |
| FY1995 | 8 |
| FY1996 | 4 |
| FY1997 | 5 |
| FY1998 | 3 |
| FY1999 | 6 |
| FY2000 | 6 |
| FY2001 | 5 |
| FY2002 | 2 |
| FY2003 | 5 |
| FY2004 | 6 |
| FY2005 | 4 |
| FY2006 | 3 |
| FY2007 | 4 |
| FY2008 | 3 |
| FY2009 | 3 |
| FY2010 | 2 |
| FY2011 | 7 |
| FY2012 | 6 |
| FY2013 | 7 |
| FY2014 | 4 |
| FY2015 | 4 |
| FY2016 | 3 |
| FY2017 | 9 |
| FY2018 | 13 |
| FY2019 | 9 |
| FY2020 | 4 |
| FY2021 | 4 |
| FY2022 | 3 |
| FY2023 | 7 |
| FY2025 | 4 |
SBA 7(a) · charge-off rate by approval year
Alaska charge-off rate by loan vintage
Only 1 of these 24 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 3 | 0 | Too few |
| 1993 | 14 | 0 | 0.0% |
| 1994 | 8 | 1 | Too few |
| 1995 | 8 | 0 | Too few |
| 1996 | 4 | 1 | Too few |
| 1997 | 5 | 1 | Too few |
| 1998 | 3 | 1 | Too few |
| 1999 | 6 | 1 | Too few |
| 2000 | 6 | 0 | Too few |
| 2001 | 5 | 1 | Too few |
| 2003 | 5 | 2 | Too few |
| 2004 | 6 | 3 | Too few |
| 2005 | 4 | 1 | Too few |
| 2007 | 4 | 0 | Too few |
| 2008 | 3 | 1 | Too few |
| 2009 | 3 | 2 | Too few |
| 2011 | 7 | 0 | Too few |
| 2012 | 5 | 1 | Too few |
| 2013 | 7 | 0 | Too few |
| 2014 | 3 | 0 | Too few |
| 2015 | 3 | 0 | Too few |
| 2017 | 6 | 0 | Too few |
| 2018 | 4 | 3 | Too few |
| 2019 | 5 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Job velocity = jobs created per $100K loaned.
Frequently asked questions
- How many SBA 7(a) franchise loans has Alaska received?
- 178 loans totaling $93.2M, with 20 charged off. The statewide charge-off rate is 14.5%.
- What is a charge-off rate and how should I interpret it?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans. Rates materially above that suggest higher-risk franchise selection or weaker borrower vetting in this state.
- Which franchise brands perform best and worst in Alaska?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Alaska by their statewide loan performance. Click any brand for full FDD-disclosed financials and nationwide SBA history.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.