A
SBA 7(a) franchise lending
Arizona
AZ
- Total loans
- 3,097
- Loan volume
- $1.8B
- Charge-off rate
- 18.8%
- Jobs created
- 46,256
Defaults
426
Avg interest
7.27%
Job velocity
2.6
per $100K loaned
Franchises active
1,146
Highest charge-off rates in Arizona
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Alta Mere Window Tinting & Aut | 5 | charge-off rate: 80.0% | 37.9% |
| Submarina Sandwiches | 5 | charge-off rate: 80.0% | 35.6% |
| All Tune And Lube | 5 | charge-off rate: 80.0% | 43.9% |
| Midas Muffler Shop | 5 | charge-off rate: 80.0% | 15.1% |
| Round Table Pizza | 5 | charge-off rate: 60.0% | 11.3% |
| Taco Del Mar | 5 | charge-off rate: 60.0% | 42.2% |
| Famous Sams | 11 | charge-off rate: 54.5% | 50.0% |
| Planet Beach | 22 | charge-off rate: 54.5% | 55.7% |
| Speedy Sign-O-Rama | 6 | charge-off rate: 50.0% | 26.0% |
| Minuteman Press | 8 | charge-off rate: 50.0% | 24.0% |
Lowest charge-off rates in Arizona
| Franchise | Loans | Default % |
|---|---|---|
| Ramada Inn | 9 | charge-off rate: 0.0% |
| Dunkin Donuts | 5 | charge-off rate: 0.0% |
| Meineke Car Care | 7 | charge-off rate: 0.0% |
| Great Clips | 6 | charge-off rate: 0.0% |
| MAACO Auto Painting Center | 10 | charge-off rate: 0.0% |
| Domino's Pizza | 5 | charge-off rate: 0.0% |
| Koa Kampgrounds(kampgrounds Of | 5 | charge-off rate: 0.0% |
| Grease Monkey | 5 | charge-off rate: 0.0% |
| Comfort Inn | 5 | charge-off rate: 0.0% |
| Jersey Mike's (deli Restaurant | 5 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 249 | $77.9M | charge-off rate: 33.7% | |
| Limited-Service Restaurants722513 | 211 | $108.6M | charge-off rate: 4.3% | |
| Hotels & Motels721110 | 202 | $474.0M | charge-off rate: 2.6% | |
| Fitness & Recreational Sports713940 | 167 | $66.7M | charge-off rate: 15.7% | |
| Snack & Beverage Bars722515 | 89 | $52.3M | charge-off rate: 13.9% | |
| Other Personal Care Services812199 | 82 | $26.9M | charge-off rate: 13.6% | |
| General Automotive Repair811111 | 65 | $27.3M | charge-off rate: 19.1% | |
| Beauty Salons812112 | 64 | $14.8M | charge-off rate: 15.7% | |
| Full-Service Restaurants722110 | 63 | $27.5M | charge-off rate: 35.6% | |
| Full-Service Restaurants722511 | 59 | $46.5M | charge-off rate: 24.1% |
Franchise lending volume by year
16'92
14
27
59
80
66'97
75
71
68
55
87'02
132
114
119
93
91'07
85
28
39
51
40'12
69
103
112
126
117'17
130
137
122
161
119'22
178
114
165
34'26
Arizona charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
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 Arizona received?
- 3,097 loans totaling $1762.8M, with 426 charged off. The statewide charge-off rate is 18.8%.
- What is a charge-off rate and how should I interpret it?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Rates materially above that suggest higher-risk franchise selection or weaker borrower vetting in this state.
- Which franchise brands perform best and worst in Arizona?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Arizona 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.