WD
SBA 7(a) franchise lending
Washington DC
DC
- Total loans
- 168
- Loan volume
- $66.3M
- Charge-off rate
- 14.3%
- Jobs created
- 2,459
Charged off
17
Avg interest
7.22%
Job velocity
3.7
per $100K loaned
Franchises active
110
Resolved loans = paid in full + charged off. A brand with fewer than 10 resolved loans in Washington DC is left out of both tables: too few resolved loans to judge.
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Charge-off % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 27 | $9.3M | charge-off rate: 11.1% | |
| Limited-Service Restaurants722513 | 16 | $12.0M | charge-off rate: 0.0% | |
| Full-Service Restaurants722110 | 8 | $2.8M | charge-off rate: 12.5% | |
| Snack & Beverage Bars722515 | 8 | $3.0M | charge-off rate: 0.0% | |
| Fitness & Recreational Sports713940 | 7 | $3.0M | charge-off rate: 0.0% | |
| 722213722213 | 5 | $857K | charge-off rate: 40.0% | |
| Drycleaning & Laundry812320 | 4 | $733K | charge-off rate: 50.0% | |
| Private Mail Centers561431 | 4 | $456K | charge-off rate: 0.0% | |
| Full-Service Restaurants722511 | 4 | $5.5M | charge-off rate: 0.0% | |
| Shoe Stores448210 | 3 | $820K | charge-off rate: 0.0% |
Franchise lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 1 |
| FY1995 | 2 |
| FY1996 | 3 |
| FY1997 | 1 |
| FY1998 | 4 |
| FY1999 | 4 |
| FY2000 | 1 |
| FY2001 | 3 |
| FY2002 | 5 |
| FY2003 | 10 |
| FY2004 | 5 |
| FY2005 | 9 |
| FY2006 | 9 |
| FY2007 | 7 |
| FY2008 | 5 |
| FY2009 | 2 |
| FY2010 | 4 |
| FY2011 | 3 |
| FY2012 | 1 |
| FY2013 | 3 |
| FY2014 | 6 |
| FY2015 | 11 |
| FY2016 | 4 |
| FY2017 | 6 |
| FY2018 | 5 |
| FY2019 | 9 |
| FY2020 | 7 |
| FY2021 | 9 |
| FY2022 | 8 |
| FY2023 | 4 |
| FY2024 | 7 |
| FY2025 | 9 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Washington DC charge-off rate by loan vintage
Only 1 of these 19 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 |
|---|---|---|---|
| 1996 | 3 | 1 | Too few |
| 1998 | 4 | 0 | Too few |
| 1999 | 4 | 0 | Too few |
| 2001 | 3 | 0 | Too few |
| 2002 | 5 | 0 | Too few |
| 2003 | 10 | 1 | 10.0% |
| 2004 | 5 | 0 | Too few |
| 2005 | 9 | 2 | Too few |
| 2006 | 9 | 4 | Too few |
| 2007 | 7 | 1 | Too few |
| 2008 | 4 | 0 | Too few |
| 2010 | 4 | 2 | Too few |
| 2011 | 3 | 0 | Too few |
| 2013 | 3 | 0 | Too few |
| 2014 | 6 | 1 | Too few |
| 2015 | 9 | 1 | Too few |
| 2016 | 4 | 2 | Too few |
| 2017 | 5 | 0 | Too few |
| 2022 | 3 | 0 | Too early |
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 Washington DC received?
- 168 loans totaling $66.3M, with 17 charged off. The statewide charge-off rate is 14.3%.
- 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 Washington DC?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Washington DC 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.