I
SBA 7(a) franchise lending
Idaho
ID
- Total loans
- 1,072
- Loan volume
- $462.3M
- Charge-off rate
- 12.0%
- Jobs created
- 13,684
Defaults
94
Avg interest
7.30%
Job velocity
3.0
per $100K loaned
Franchises active
554
Highest charge-off rates in Idaho
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Meineke Car Care | 5 | charge-off rate: 80.0% | 28.3% |
| Taco Time | 6 | charge-off rate: 50.0% | 35.6% |
| Cold Stone Creamery, Inc. | 7 | charge-off rate: 42.9% | 33.9% |
| Coast-To-Coast Store | 5 | charge-off rate: 40.0% | 19.6% |
| Gandolfo's New York Delicatess | 6 | charge-off rate: 33.3% | 29.6% |
| Quiznos | 14 | charge-off rate: 28.6% | 28.1% |
| Arctic Circle | 8 | charge-off rate: 25.0% | 26.7% |
| Great Harvest Bread Co. | 5 | charge-off rate: 20.0% | 12.7% |
| Alphagraphics, Printshops Of T | 5 | charge-off rate: 20.0% | 31.8% |
| Allstate Insurance | 5 | charge-off rate: 20.0% | 2.7% |
Lowest charge-off rates in Idaho
| Franchise | Loans | Default % |
|---|---|---|
| Chevron (gas Station) | 16 | charge-off rate: 0.0% |
| Domino's Pizza | 7 | charge-off rate: 0.0% |
| Tcby | 5 | charge-off rate: 0.0% |
| Baskin-Robbins 31 Ice Cream | 5 | charge-off rate: 0.0% |
| Dairy Queen | 6 | charge-off rate: 0.0% |
| Fantastic Sam's | 6 | charge-off rate: 0.0% |
| Papa Murphy's Take & Bake Pizz | 5 | charge-off rate: 0.0% |
| Grease Monkey | 5 | charge-off rate: 0.0% |
| Anytime Fitness | 5 | charge-off rate: 0.0% |
| Dutch Bros. Coffee | 11 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722513 | 91 | $43.0M | charge-off rate: 1.7% | |
| Limited-Service Restaurants722211 | 85 | $16.6M | charge-off rate: 20.0% | |
| Fitness & Recreational Sports713940 | 49 | $18.0M | charge-off rate: 3.8% | |
| Hotels & Motels721110 | 39 | $114.9M | charge-off rate: 0.0% | |
| Snack & Beverage Bars722515 | 33 | $15.8M | charge-off rate: 0.0% | |
| Full-Service Restaurants722110 | 20 | $6.3M | charge-off rate: 15.0% | |
| Other Personal Care Services812199 | 19 | $6.9M | charge-off rate: 8.3% | |
| Janitorial Services561720 | 17 | $6.8M | charge-off rate: 8.3% | |
| Beauty Salons812112 | 17 | $4.9M | charge-off rate: 0.0% | |
| Hardware Stores444130 | 16 | $2.9M | charge-off rate: 26.7% |
Franchise lending volume by year
9'92
10
25
32
32
26'97
32
18
14
16
23'02
26
33
44
32
29'07
22
13
14
19
17'12
26
31
32
35
40'17
46
42
33
58
55'22
59
56
62
11'26
Idaho 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 Idaho received?
- 1,072 loans totaling $462.3M, with 94 charged off. The statewide charge-off rate is 12.0%.
- 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 Idaho?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Idaho 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.