G
SBA 7(a) franchise lending
Georgia
GA
- Total loans
- 6,081
- Loan volume
- $4.4B
- Charge-off rate
- 15.5%
- Jobs created
- 83,216
Defaults
633
Avg interest
6.98%
Job velocity
1.9
per $100K loaned
Franchises active
1,605
Highest charge-off rates in Georgia
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Play N Trade | 6 | charge-off rate: 100.0% | 63.3% |
| Beef O'brady's | 18 | charge-off rate: 83.3% | 55.0% |
| Planet Beach | 9 | charge-off rate: 77.8% | 55.7% |
| Wicks 'n' Sticks | 5 | charge-off rate: 60.0% | 33.3% |
| Huntington Learning Center | 5 | charge-off rate: 60.0% | 36.4% |
| Golf Etc. | 5 | charge-off rate: 60.0% | 54.5% |
| Fox's Pizza Den | 7 | charge-off rate: 57.1% | 25.2% |
| All Tune And Lube | 11 | charge-off rate: 54.5% | 43.9% |
| AAMCO Transmissions | 14 | charge-off rate: 50.0% | 31.8% |
| Pizza Inn | 6 | charge-off rate: 50.0% | 25.0% |
Lowest charge-off rates in Georgia
| Franchise | Loans | Default % |
|---|---|---|
| Travelodge | 19 | charge-off rate: 0.0% |
| Krystal (drive-Thru Restaurant | 5 | charge-off rate: 0.0% |
| Play It Again Sports (retail S | 10 | charge-off rate: 0.0% |
| Red Carpet Inn | 6 | charge-off rate: 0.0% |
| Amoco (gas Station) | 5 | charge-off rate: 0.0% |
| Taco Bell | 7 | charge-off rate: 0.0% |
| Little Ceasar's Pizza | 15 | charge-off rate: 0.0% |
| Great American Cookies | 9 | charge-off rate: 0.0% |
| Servpro | 11 | charge-off rate: 0.0% |
| Servicemaster | 6 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Hotels & Motels721110 | 723 | $1.6B | charge-off rate: 5.7% | |
| Limited-Service Restaurants722513 | 624 | $365.4M | charge-off rate: 8.8% | |
| Limited-Service Restaurants722211 | 401 | $126.8M | charge-off rate: 28.6% | |
| Full-Service Restaurants722511 | 263 | $156.4M | charge-off rate: 14.4% | |
| Gasoline Stations with Convenience Stores447110 | 260 | $318.9M | charge-off rate: 2.0% | |
| Fitness & Recreational Sports713940 | 244 | $116.8M | charge-off rate: 19.6% | |
| Child Day Care Services624410 | 228 | $339.1M | charge-off rate: 8.4% | |
| Full-Service Restaurants722110 | 228 | $105.5M | charge-off rate: 25.7% | |
| Snack & Beverage Bars722515 | 137 | $64.5M | charge-off rate: 4.8% | |
| Other Personal Care Services812199 | 89 | $30.2M | charge-off rate: 12.5% |
Franchise lending volume by year
42'92
67
108
145
104
132'97
76
109
99
98
163'02
142
165
149
105
125'07
143
55
81
110
99'12
131
187
272
287
267'17
311
335
274
422
297'22
320
270
337
54'26
Georgia 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 Georgia received?
- 6,081 loans totaling $4409.2M, with 633 charged off. The statewide charge-off rate is 15.5%.
- 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 Georgia?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Georgia 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.