NH
SBA 7(a) franchise lending
New Hampshire
NH
- Total loans
- 583
- Loan volume
- $179.4M
- Charge-off rate
- 13.1%
- Jobs created
- 6,401
Defaults
59
Avg interest
6.60%
Job velocity
3.6
per $100K loaned
Franchises active
298
Highest charge-off rates in New Hampshire
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Quiznos | 5 | charge-off rate: 60.0% | 28.1% |
| Edible Arrangements | 7 | charge-off rate: 42.9% | 14.1% |
| Kentucky Fried Chicken | 5 | charge-off rate: 20.0% | 12.8% |
| Honey Dew Donuts | 6 | charge-off rate: 16.7% | 14.5% |
| Subway Sandwich Shop | 16 | charge-off rate: 12.5% | 6.1% |
| Mail Boxes Etc. Usa | 8 | charge-off rate: 12.5% | 12.2% |
| Agway | 5 | charge-off rate: 0.0% | 4.8% |
| Domino's Pizza | 5 | charge-off rate: 0.0% | 10.7% |
| Dunkin Donuts | 7 | charge-off rate: 0.0% | 8.3% |
| Mobil Oil (stations) | 10 | charge-off rate: 0.0% | 7.8% |
Lowest charge-off rates in New Hampshire
| Franchise | Loans | Default % |
|---|---|---|
| Agway | 5 | charge-off rate: 0.0% |
| Domino's Pizza | 5 | charge-off rate: 0.0% |
| Dunkin Donuts | 7 | charge-off rate: 0.0% |
| Mobil Oil (stations) | 10 | charge-off rate: 0.0% |
| Servpro | 7 | charge-off rate: 0.0% |
| Midas Muffler Shop | 5 | charge-off rate: 0.0% |
| Matco Tools (rent Tools) | 7 | charge-off rate: 0.0% |
| Minuteman Press | 7 | charge-off rate: 0.0% |
| UPS Store | 9 | charge-off rate: 0.0% |
| Planet Fitness | 9 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Fitness & Recreational Sports713940 | 54 | $20.4M | charge-off rate: 9.1% | |
| Limited-Service Restaurants722513 | 33 | $13.4M | charge-off rate: 0.0% | |
| Snack & Beverage Bars722515 | 20 | $6.2M | charge-off rate: 18.2% | |
| Limited-Service Restaurants722211 | 18 | $4.0M | charge-off rate: 16.7% | |
| Beauty Salons812112 | 15 | $3.0M | charge-off rate: 16.7% | |
| General Automotive Repair811111 | 13 | $4.0M | charge-off rate: 0.0% | |
| Residential Remodelers236118 | 11 | $1.3M | charge-off rate: 16.7% | |
| Janitorial Services561720 | 11 | $1.6M | charge-off rate: 0.0% | |
| Full-Service Restaurants722110 | 9 | $2.3M | charge-off rate: 11.1% | |
| Other Personal Care Services812199 | 9 | $2.3M | charge-off rate: 20.0% |
Franchise lending volume by year
14'92
21
10
11
7
20'97
8
9
6
4
21'02
15
34
28
14
8'07
17
10
10
13
11'12
18
21
15
25
28'17
24
27
12
31
25'22
18
16
25
7'26
New Hampshire 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 New Hampshire received?
- 583 loans totaling $179.4M, with 59 charged off. The statewide charge-off rate is 13.1%.
- 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 New Hampshire?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in New Hampshire 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.