G
SBA 7(a) franchise lending
GU
GU
- Total loans
- 20
- Loan volume
- $1.4M
- Charge-off rate
- 5.0%
- Jobs created
- 82
Charged off
1
Avg interest
6.00%
Job velocity
5.9
per $100K loaned
Franchises active
15
Resolved loans = paid in full + charged off. A brand with fewer than 10 resolved loans in GU is left out of both tables: too few resolved loans to judge.
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Charge-off % | Risk |
|---|---|---|---|---|
| 532111532111 | 6 | $380K | charge-off rate: 0.0% | |
| Limited-Service Restaurants722211 | 3 | $237K | charge-off rate: 0.0% | |
| Sporting Goods Stores451110 | 2 | $125K | charge-off rate: 0.0% | |
| Exam Prep & Tutoring611691 | 2 | $50K | charge-off rate: 0.0% | |
| Full-Service Restaurants722110 | 1 | $60K | charge-off rate: 0.0% | |
| Other Auto Services811198 | 1 | $45K | charge-off rate: 0.0% | |
| Other Misc. Schools611699 | 1 | $66K | charge-off rate: 0.0% | |
| Other Misc. Retailers453998 | 1 | $30K | charge-off rate: 0.0% | |
| Clothing Accessories Stores448150 | 1 | $150K | charge-off rate: 0.0% |
Franchise lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1995 | 1 |
| FY2000 | 1 |
| FY2001 | 2 |
| FY2002 | 3 |
| FY2003 | 2 |
| FY2004 | 1 |
| FY2005 | 3 |
| FY2006 | 1 |
| FY2007 | 1 |
| FY2009 | 1 |
| FY2010 | 1 |
| FY2011 | 2 |
| FY2016 | 1 |
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 GU received?
- 20 loans totaling $1.4M, with 1 charged off. The statewide charge-off rate is 5.0%.
- 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 GU?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in GU 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.