H
SBA 7(a) franchise lending
Hawaii
HI
- Total loans
- 213
- Loan volume
- $40.7M
- Charge-off rate
- 12.2%
- Jobs created
- 1,903
Defaults
23
Avg interest
7.12%
Job velocity
4.7
per $100K loaned
Franchises active
119
Highest charge-off rates in Hawaii
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Cold Stone Creamery, Inc. | 9 | charge-off rate: 44.4% | 33.9% |
| Mail Boxes Etc. Usa | 6 | charge-off rate: 16.7% | 12.2% |
| Subway Sandwich Shop | 31 | charge-off rate: 3.2% | 6.1% |
| Baskin-Robbins 31 Ice Cream | 5 | charge-off rate: 0.0% | 17.4% |
Lowest charge-off rates in Hawaii
| Franchise | Loans | Default % |
|---|---|---|
| Baskin-Robbins 31 Ice Cream | 5 | charge-off rate: 0.0% |
| Subway Sandwich Shop | 31 | charge-off rate: 3.2% |
| Mail Boxes Etc. Usa | 6 | charge-off rate: 16.7% |
| Cold Stone Creamery, Inc. | 9 | charge-off rate: 44.4% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 35 | $5.9M | charge-off rate: 8.6% | |
| 722213722213 | 14 | $3.1M | charge-off rate: 28.6% | |
| Fitness & Recreational Sports713940 | 13 | $2.8M | charge-off rate: 0.0% | |
| Limited-Service Restaurants722513 | 13 | $4.7M | charge-off rate: 10.0% | |
| Private Mail Centers561431 | 10 | $2.2M | charge-off rate: 28.6% | |
| Other Specialty Food Stores445299 | 9 | $1.5M | charge-off rate: 11.1% | |
| Full-Service Restaurants722110 | 7 | $1.4M | charge-off rate: 14.3% | |
| Beauty Salons812112 | 6 | $625K | charge-off rate: 0.0% | |
| Exam Prep & Tutoring611691 | 6 | $192K | charge-off rate: 0.0% | |
| Shoe Stores448210 | 4 | $190K | charge-off rate: 33.3% |
Franchise lending volume by year
3'92
4
5
3
3
3'98
5
4
6
9
10'03
13
10
14
6
17'08
6
8
7
5
5'13
2
7
9
5
8'18
9
9
3
3
5'23
3
4'25
Hawaii 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 Hawaii received?
- 213 loans totaling $40.7M, with 23 charged off. The statewide charge-off rate is 12.2%.
- 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 Hawaii?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Hawaii 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.