F
SBA 7(a) franchise lending
Florida
FL
- Total loans
- 8,224
- Loan volume
- $4.5B
- Charge-off rate
- 20.9%
- Jobs created
- 115,119
Defaults
1,113
Avg interest
7.51%
Job velocity
2.6
per $100K loaned
Franchises active
2,056
Highest charge-off rates in Florida
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Camille's Sidewalk Cafe | 7 | charge-off rate: 100.0% | 53.8% |
| American Pie Pizza And Drafts | 7 | charge-off rate: 85.7% | 85.7% |
| Wireless Toyz | 6 | charge-off rate: 83.3% | 65.6% |
| 1000 Degrees Pizzeria | 6 | charge-off rate: 83.3% | 73.7% |
| Planet Beach | 45 | charge-off rate: 82.2% | 55.7% |
| Blimpie | 9 | charge-off rate: 77.8% | 30.6% |
| The Grounds Guys | 9 | charge-off rate: 77.8% | 46.3% |
| Pro Golf | 8 | charge-off rate: 75.0% | 57.1% |
| Foot Solutions | 14 | charge-off rate: 71.4% | 32.9% |
| Carvel Ice Cream | 9 | charge-off rate: 66.7% | 42.7% |
Lowest charge-off rates in Florida
| Franchise | Loans | Default % |
|---|---|---|
| Econo Lodge Motel | 10 | charge-off rate: 0.0% |
| Dairy Queen | 48 | charge-off rate: 0.0% |
| Shell Service Station | 7 | charge-off rate: 0.0% |
| Play It Again Sports (retail S | 5 | charge-off rate: 0.0% |
| Best Western Inn | 14 | charge-off rate: 0.0% |
| Sir Speedy Printing Center | 9 | charge-off rate: 0.0% |
| Kids R Kids | 8 | charge-off rate: 0.0% |
| Century 21 | 8 | charge-off rate: 0.0% |
| Burger King | 7 | charge-off rate: 0.0% |
| Tutor Time | 12 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722513 | 784 | $486.3M | charge-off rate: 14.0% | |
| Limited-Service Restaurants722211 | 630 | $173.8M | charge-off rate: 30.4% | |
| Fitness & Recreational Sports713940 | 477 | $204.7M | charge-off rate: 21.1% | |
| Hotels & Motels721110 | 378 | $948.9M | charge-off rate: 5.2% | |
| Full-Service Restaurants722511 | 255 | $197.7M | charge-off rate: 11.5% | |
| Snack & Beverage Bars722515 | 248 | $125.5M | charge-off rate: 11.9% | |
| Full-Service Restaurants722110 | 230 | $88.0M | charge-off rate: 31.0% | |
| Other Personal Care Services812199 | 218 | $85.9M | charge-off rate: 26.4% | |
| Child Day Care Services624410 | 178 | $239.8M | charge-off rate: 3.4% | |
| Beauty Salons812112 | 158 | $54.0M | charge-off rate: 17.3% |
Franchise lending volume by year
40'92
65
73
98
121
144'97
123
128
159
133
238'02
268
276
290
196
220'07
168
58
54
75
81'12
123
227
301
383
343'17
431
408
328
519
440'22
557
470
576
110'26
Florida 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 Florida received?
- 8,224 loans totaling $4470.8M, with 1,113 charged off. The statewide charge-off rate is 20.9%.
- 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 Florida?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Florida 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.