O
SBA 7(a) franchise lending
Ohio
OH
- Total loans
- 5,935
- Loan volume
- $2.8B
- Charge-off rate
- 13.5%
- Jobs created
- 76,803
Defaults
574
Avg interest
7.01%
Job velocity
2.8
per $100K loaned
Franchises active
1,471
Highest charge-off rates in Ohio
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Great Steak And Potato Company | 6 | charge-off rate: 83.3% | 29.8% |
| Kabloom | 5 | charge-off rate: 80.0% | 32.7% |
| Cici's Pizza | 8 | charge-off rate: 75.0% | 24.5% |
| Which Wich | 6 | charge-off rate: 66.7% | 27.9% |
| Cottman Transmission | 5 | charge-off rate: 60.0% | 36.8% |
| Marble Slab Creamery | 5 | charge-off rate: 60.0% | 29.4% |
| Beef O'brady's | 5 | charge-off rate: 60.0% | 55.0% |
| Papa Murphy's Take & Bake Pizz | 6 | charge-off rate: 50.0% | 5.3% |
| Blimpie | 20 | charge-off rate: 45.0% | 30.6% |
| Petland | 35 | charge-off rate: 42.9% | 44.2% |
Lowest charge-off rates in Ohio
| Franchise | Loans | Default % |
|---|---|---|
| Inkwell (the) | 9 | charge-off rate: 0.0% |
| Geppetto's Pizza | 5 | charge-off rate: 0.0% |
| Country Kitchen | 5 | charge-off rate: 0.0% |
| Marco's Pizza | 21 | charge-off rate: 0.0% |
| General Nutrition Center | 5 | charge-off rate: 0.0% |
| Medicine Shoppe | 6 | charge-off rate: 0.0% |
| Jersey Mike's (deli Restaurant | 22 | charge-off rate: 0.0% |
| Tinder Box | 5 | charge-off rate: 0.0% |
| Goodyear Tire | 5 | charge-off rate: 0.0% |
| Arby's | 18 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722513 | 549 | $242.7M | charge-off rate: 7.0% | |
| Limited-Service Restaurants722211 | 515 | $120.5M | charge-off rate: 19.3% | |
| Hotels & Motels721110 | 492 | $1.0B | charge-off rate: 9.6% | |
| Full-Service Restaurants722110 | 242 | $56.2M | charge-off rate: 18.8% | |
| Fitness & Recreational Sports713940 | 235 | $66.5M | charge-off rate: 13.4% | |
| Full-Service Restaurants722511 | 231 | $80.6M | charge-off rate: 15.5% | |
| Snack & Beverage Bars722515 | 151 | $41.1M | charge-off rate: 8.2% | |
| Child Day Care Services624410 | 128 | $118.0M | charge-off rate: 6.5% | |
| Beauty Salons812112 | 121 | $23.6M | charge-off rate: 7.0% | |
| Other Personal Care Services812199 | 92 | $34.2M | charge-off rate: 9.4% |
Franchise lending volume by year
38'92
47
64
122
124
147'97
98
108
136
93
132'02
223
252
240
103
119'07
123
79
96
105
98'12
113
197
269
259
268'17
267
289
245
307
303'22
331
239
256
45'26
Ohio charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
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 Ohio received?
- 5,935 loans totaling $2752.6M, with 574 charged off. The statewide charge-off rate is 13.5%.
- 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 Ohio?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Ohio 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.