O
SBA 7(a) franchise lending
Oregon
OR
- Total loans
- 1,424
- Loan volume
- $839.4M
- Charge-off rate
- 15.1%
- Jobs created
- 19,169
Defaults
158
Avg interest
7.06%
Job velocity
2.3
per $100K loaned
Franchises active
616
Highest charge-off rates in Oregon
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Cold Stone Creamery, Inc. | 21 | charge-off rate: 66.7% | 33.9% |
| AAMCO Transmissions | 5 | charge-off rate: 60.0% | 31.8% |
| Blimpie | 9 | charge-off rate: 55.6% | 30.6% |
| Matco Tools (rent Tools) | 6 | charge-off rate: 50.0% | 34.8% |
| Minuteman Press | 6 | charge-off rate: 50.0% | 24.0% |
| Anytime Fitness | 6 | charge-off rate: 50.0% | 10.7% |
| Quiznos | 40 | charge-off rate: 35.0% | 28.1% |
| Chevron (gas Station) | 6 | charge-off rate: 33.3% | 6.4% |
| Postal Annex Plus | 9 | charge-off rate: 33.3% | 27.3% |
| Mail Boxes Etc. Usa | 15 | charge-off rate: 26.7% | 12.2% |
Lowest charge-off rates in Oregon
| Franchise | Loans | Default % |
|---|---|---|
| Schlotzsky's Sandwich Shop | 5 | charge-off rate: 0.0% |
| Travelodge | 8 | charge-off rate: 0.0% |
| Taco Time | 8 | charge-off rate: 0.0% |
| Arby's | 5 | charge-off rate: 0.0% |
| Baskin-Robbins 31 Ice Cream | 6 | charge-off rate: 0.0% |
| True Value Hardware | 5 | charge-off rate: 0.0% |
| Arco (gas Station) | 5 | charge-off rate: 0.0% |
| Holiday Inn Express | 5 | charge-off rate: 0.0% |
| Subway Sandwich Shop | 51 | charge-off rate: 0.0% |
| Snap-On-Tools | 5 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 145 | $35.4M | charge-off rate: 15.9% | |
| Limited-Service Restaurants722513 | 129 | $69.0M | charge-off rate: 4.0% | |
| Hotels & Motels721110 | 106 | $219.3M | charge-off rate: 0.0% | |
| Fitness & Recreational Sports713940 | 59 | $19.0M | charge-off rate: 24.3% | |
| Gasoline Stations with Convenience Stores447110 | 40 | $63.6M | charge-off rate: 3.8% | |
| Full-Service Restaurants722110 | 33 | $7.6M | charge-off rate: 21.2% | |
| Full-Service Restaurants722511 | 30 | $19.5M | charge-off rate: 0.0% | |
| Snack & Beverage Bars722515 | 30 | $11.5M | charge-off rate: 6.7% | |
| Hardware Stores444130 | 29 | $22.3M | charge-off rate: 4.8% | |
| Private Mail Centers561431 | 28 | $8.0M | charge-off rate: 5.9% |
Franchise lending volume by year
15'92
17
18
29
34
39'97
29
30
41
37
29'02
52
62
47
38
30'07
30
16
17
22
27'12
31
53
54
49
68'17
72
63
70
71
44'22
57
51
66
16'26
Oregon 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 Oregon received?
- 1,424 loans totaling $839.4M, with 158 charged off. The statewide charge-off rate is 15.1%.
- 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 Oregon?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Oregon 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.