W
SBA 7(a) franchise lending
Wisconsin
WI
- Total loans
- 2,773
- Loan volume
- $1.3B
- Charge-off rate
- 12.5%
- Jobs created
- 39,544
Defaults
265
Avg interest
6.55%
Job velocity
3.1
per $100K loaned
Franchises active
931
Highest charge-off rates in Wisconsin
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Taco John's | 8 | charge-off rate: 75.0% | 22.2% |
| Dickey's Barbecue Pit | 7 | charge-off rate: 42.9% | 27.8% |
| Blimpie | 5 | charge-off rate: 40.0% | 30.6% |
| Pizza Pit | 5 | charge-off rate: 40.0% | 37.5% |
| Big Apple Bagels | 5 | charge-off rate: 40.0% | 34.6% |
| Fox's Pizza Den | 5 | charge-off rate: 40.0% | 25.2% |
| Play It Again Sports (retail S | 8 | charge-off rate: 37.5% | 16.2% |
| True Value Hardware | 6 | charge-off rate: 33.3% | 16.1% |
| Cold Stone Creamery, Inc. | 15 | charge-off rate: 33.3% | 33.9% |
| Subway | 9 | charge-off rate: 33.3% | 11.6% |
Lowest charge-off rates in Wisconsin
| Franchise | Loans | Default % |
|---|---|---|
| A & W Restaurant | 7 | charge-off rate: 0.0% |
| Culver's Frozen Custard | 48 | charge-off rate: 0.0% |
| Breadsmith | 8 | charge-off rate: 0.0% |
| Best Western Inn | 8 | charge-off rate: 0.0% |
| Sylvan Learning Center | 6 | charge-off rate: 0.0% |
| Century 21 | 6 | charge-off rate: 0.0% |
| Hardware Hank | 19 | charge-off rate: 0.0% |
| MAACO Auto Painting Center | 5 | charge-off rate: 0.0% |
| Tires Plus | 5 | charge-off rate: 0.0% |
| Woodcraft Franchise Corporatio | 5 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 320 | $82.3M | charge-off rate: 14.1% | |
| Limited-Service Restaurants722513 | 261 | $113.3M | charge-off rate: 11.8% | |
| Fitness & Recreational Sports713940 | 166 | $57.0M | charge-off rate: 14.7% | |
| Full-Service Restaurants722110 | 148 | $42.0M | charge-off rate: 18.9% | |
| Hotels & Motels721110 | 148 | $288.7M | charge-off rate: 4.9% | |
| Gasoline Stations with Convenience Stores447110 | 93 | $101.2M | charge-off rate: 7.3% | |
| Hardware Stores444130 | 59 | $21.1M | charge-off rate: 16.7% | |
| Full-Service Restaurants722511 | 55 | $35.1M | charge-off rate: 20.6% | |
| Beauty Salons812112 | 54 | $11.2M | charge-off rate: 18.4% | |
| Janitorial Services561720 | 44 | $9.2M | charge-off rate: 9.1% |
Franchise lending volume by year
13'92
24
30
41
25
29'97
40
50
56
48
71'02
86
94
105
64
77'07
83
71
83
82
75'12
113
143
138
112
85'17
117
114
97
170
103'22
105
88
116
25'26
Wisconsin 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 Wisconsin received?
- 2,773 loans totaling $1277.9M, with 265 charged off. The statewide charge-off rate is 12.5%.
- 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 Wisconsin?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Wisconsin 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.