N
SBA 7(a) franchise lending
Nebraska
NE
- Total loans
- 983
- Loan volume
- $359.4M
- Charge-off rate
- 16.2%
- Jobs created
- 12,230
Charged off
124
Avg interest
6.49%
Job velocity
3.4
per $100K loaned
Franchises active
501
Highest charge-off rates in Nebraska
| Franchise | Resolved loans | State % | National % |
|---|---|---|---|
| Quiznos | 16 | charge-off rate: 37.5% | 28.1% |
| Anytime Fitness | 16 | charge-off rate: 18.8% | 11.7% |
| Scooters Java Express | 12 | charge-off rate: 16.7% | 21.4% |
| The UPS Store | 13 | charge-off rate: 15.4% | 10.5% |
| Subway Sandwich Shop | 38 | charge-off rate: 10.5% | 6.8% |
| Scooter's Coffeehouse | 10 | charge-off rate: 10.0% | 8.3% |
| Blimpie | 11 | charge-off rate: 9.1% | 30.6% |
| Domino's Pizza | 11 | charge-off rate: 9.1% | 10.7% |
| Sports Clips | 15 | charge-off rate: 0.0% | 6.1% |
| Dairy Queen | 12 | charge-off rate: 0.0% | 9.7% |
Lowest charge-off rates in Nebraska
| Franchise | Resolved loans | Charge-off % |
|---|---|---|
| Sports Clips | 15 | charge-off rate: 0.0% |
| Dairy Queen | 12 | charge-off rate: 0.0% |
| Blimpie | 11 | charge-off rate: 9.1% |
| Domino's Pizza | 11 | charge-off rate: 9.1% |
| Scooter's Coffeehouse | 10 | charge-off rate: 10.0% |
| Subway Sandwich Shop | 38 | charge-off rate: 10.5% |
| The UPS Store | 13 | charge-off rate: 15.4% |
| Scooters Java Express | 12 | charge-off rate: 16.7% |
| Anytime Fitness | 16 | charge-off rate: 18.8% |
| Quiznos | 16 | charge-off rate: 37.5% |
Resolved loans = paid in full + charged off. A brand with fewer than 10 resolved loans in Nebraska is left out of both tables: too few resolved loans to judge.
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Charge-off % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 106 | $25.8M | charge-off rate: 24.3% | |
| Limited-Service Restaurants722513 | 71 | $40.6M | charge-off rate: 14.3% | |
| Fitness & Recreational Sports713940 | 55 | $14.3M | charge-off rate: 16.2% | |
| Full-Service Restaurants722110 | 44 | $8.1M | charge-off rate: 40.9% | |
| Snack & Beverage Bars722515 | 27 | $12.0M | charge-off rate: 0.0% | |
| 722213722213 | 23 | $4.6M | charge-off rate: 34.8% | |
| Hotels & Motels721110 | 22 | $58.5M | charge-off rate: 18.2% | |
| Full-Service Restaurants722511 | 19 | $5.6M | charge-off rate: 0.0% | |
| Other Specialty Food Stores445299 | 17 | $2.9M | charge-off rate: 23.5% | |
| Home Health Care Services621610 | 16 | $6.8M | charge-off rate: 0.0% |
Franchise lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 26 |
| FY1993 | 8 |
| FY1994 | 17 |
| FY1995 | 17 |
| FY1996 | 19 |
| FY1997 | 10 |
| FY1998 | 13 |
| FY1999 | 16 |
| FY2000 | 26 |
| FY2001 | 15 |
| FY2002 | 25 |
| FY2003 | 51 |
| FY2004 | 53 |
| FY2005 | 56 |
| FY2006 | 43 |
| FY2007 | 33 |
| FY2008 | 20 |
| FY2009 | 21 |
| FY2010 | 31 |
| FY2011 | 22 |
| FY2012 | 18 |
| FY2013 | 30 |
| FY2014 | 22 |
| FY2015 | 34 |
| FY2016 | 36 |
| FY2017 | 26 |
| FY2018 | 35 |
| FY2019 | 42 |
| FY2020 | 37 |
| FY2021 | 35 |
| FY2022 | 36 |
| FY2023 | 33 |
| FY2024 | 34 |
| FY2025 | 36 |
| FY2026 | 7 |
SBA 7(a) · charge-off rate by approval year
Nebraska: below all franchise loans in 18 of 29 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 26 | 1 | 3.8% |
| 1993 | 8 | 0 | Too few |
| 1994 | 17 | 1 | 5.9% |
| 1995 | 17 | 2 | 11.8% |
| 1996 | 19 | 4 | 21.1% |
| 1997 | 10 | 5 | 50.0% |
| 1998 | 13 | 1 | 7.7% |
| 1999 | 16 | 5 | 31.2% |
| 2000 | 26 | 6 | 23.1% |
| 2001 | 15 | 2 | 13.3% |
| 2002 | 26 | 2 | 7.7% |
| 2003 | 51 | 12 | 23.5% |
| 2004 | 53 | 23 | 43.4% |
| 2005 | 55 | 16 | 29.1% |
| 2006 | 42 | 13 | 31.0% |
| 2007 | 33 | 2 | 6.1% |
| 2008 | 20 | 5 | 25.0% |
| 2009 | 21 | 0 | 0.0% |
| 2010 | 30 | 2 | 6.7% |
| 2011 | 20 | 1 | 5.0% |
| 2012 | 18 | 2 | 11.1% |
| 2013 | 30 | 6 | 20.0% |
| 2014 | 22 | 0 | 0.0% |
| 2015 | 32 | 5 | 15.6% |
| 2016 | 31 | 1 | 3.2% |
| 2017 | 17 | 3 | 17.6% |
| 2018 | 26 | 1 | 3.8% |
| 2019 | 23 | 1 | 4.3% |
| 2020 | 16 | 1 | 6.2% |
| 2021 | 12 | 0 | 0.0% |
| 2022 | 9 | 0 | Too early |
| 2023 | 7 | 0 | Too early |
| 2024 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 Nebraska received?
- 983 loans totaling $359.4M, with 124 charged off. The statewide charge-off rate is 16.2%.
- 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 Nebraska?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Nebraska 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.