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
Defaults
17
Avg interest
7.22%
Job velocity
3.7
per $100K loaned
Franchises active
110
Highest charge-off rates in Washington DC
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Quiznos | 8 | charge-off rate: 12.5% | 28.1% |
| Subway Sandwich Shop | 6 | charge-off rate: 0.0% | 6.1% |
| Qdoba Mexican Grill | 5 | charge-off rate: 0.0% | 9.1% |
Lowest charge-off rates in Washington DC
| Franchise | Loans | Default % |
|---|---|---|
| Subway Sandwich Shop | 6 | charge-off rate: 0.0% |
| Qdoba Mexican Grill | 5 | charge-off rate: 0.0% |
| Quiznos | 8 | charge-off rate: 12.5% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | 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
1'94
2
3
1
4
4'99
1
3
5
10
5'04
9
9
7
5
2'09
4
3
1
3
6'14
11
4
6
5
9'19
7
9
8
4
7'24
9
1'26
Washington DC charge-off rate by loan vintage
BrandNational avg
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). 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 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.