C
SBA 7(a) franchise lending
Colorado
CO
- Total loans
- 3,423
- Loan volume
- $1.8B
- Charge-off rate
- 16.0%
- Jobs created
- 48,797
Defaults
380
Avg interest
7.21%
Job velocity
2.6
per $100K loaned
Franchises active
1,229
Highest charge-off rates in Colorado
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Atlanta Bread Company | 5 | charge-off rate: 80.0% | 45.8% |
| Executive Tans | 16 | charge-off rate: 68.8% | 69.6% |
| Alphagraphics, Printshops Of T | 9 | charge-off rate: 66.7% | 31.8% |
| Premier Rental Purchase | 6 | charge-off rate: 66.7% | 47.2% |
| All Tune And Lube | 6 | charge-off rate: 50.0% | 43.9% |
| Fantastic Sam's | 14 | charge-off rate: 42.9% | 19.1% |
| Baskin-Robbins 31 Ice Cream | 12 | charge-off rate: 41.7% | 17.4% |
| Matco Tools (rent Tools) | 20 | charge-off rate: 40.0% | 34.8% |
| Econo Lub N Tune | 5 | charge-off rate: 40.0% | 36.2% |
| Le Peep Restaurant | 5 | charge-off rate: 40.0% | 26.7% |
Lowest charge-off rates in Colorado
| Franchise | Loans | Default % |
|---|---|---|
| Blackjack Pizza | 10 | charge-off rate: 0.0% |
| Primrose School (daycare) | 12 | charge-off rate: 0.0% |
| Pearle Vision Center | 5 | charge-off rate: 0.0% |
| Papa Murphy's Take & Bake Pizz | 16 | charge-off rate: 0.0% |
| Arby's | 5 | charge-off rate: 0.0% |
| Great Clips | 9 | charge-off rate: 0.0% |
| Ace Hardware | 20 | charge-off rate: 0.0% |
| Meineke Car Care | 14 | charge-off rate: 0.0% |
| True Value Hardware | 8 | charge-off rate: 0.0% |
| Sonic | 7 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722513 | 240 | $129.9M | charge-off rate: 6.1% | |
| Fitness & Recreational Sports713940 | 224 | $94.8M | charge-off rate: 18.2% | |
| Limited-Service Restaurants722211 | 212 | $55.4M | charge-off rate: 23.6% | |
| Hotels & Motels721110 | 195 | $423.3M | charge-off rate: 4.7% | |
| Child Day Care Services624410 | 97 | $174.3M | charge-off rate: 4.3% | |
| Other Personal Care Services812199 | 93 | $35.7M | charge-off rate: 15.0% | |
| Full-Service Restaurants722110 | 85 | $25.4M | charge-off rate: 17.6% | |
| Snack & Beverage Bars722515 | 79 | $35.5M | charge-off rate: 6.9% | |
| Full-Service Restaurants722511 | 75 | $37.2M | charge-off rate: 11.9% | |
| General Automotive Repair811111 | 67 | $28.7M | charge-off rate: 20.0% |
Franchise lending volume by year
17'92
48
52
60
70
72'97
73
61
54
66
95'02
125
121
131
63
60'07
44
35
43
57
43'12
58
89
117
151
155'17
165
166
148
203
171'22
204
172
204
30'26
Colorado 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 Colorado received?
- 3,423 loans totaling $1848.1M, with 380 charged off. The statewide charge-off rate is 16.0%.
- 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 Colorado?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Colorado 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.