Datasets:

tensorust
/

sba-franchise-chargeoff-rates-sample

franchise_code stringlengths 5 5	franchise_name stringlengths 6 152	loans int64 302 1.1k	gross_approved float64 65.5M 1.42B	loans_7a int64 89 1.09k	loans_504 int64 0 435	chargeoff_loans int64 0 56	chargeoff_amount float64 0 15.7M	paid_in_full_loans int64 86 564	active_loans int64 16 865	chargeoff_rate_loans float64 0 0.11	chargeoff_rate_dollars float64 0 0.08	seasoned_loans_fy2010_2019 int64 37 603	seasoned_chargeoff_rate_loans float64 0 0.16	seasoned_chargeoff_rate_dollars float64 0 0.1	loans_fy2020_on int64 0 985	chargeoff_rate_loans_fy2020_on float64 0 0.02 ⌀	first_fy int64 2.01k 2.02k	last_fy int64 2.01k 2.03k	vs_all_franchise_rate float64 0 2.24	small_sample bool 1 class	ontology_oid stringclasses 1 value	source stringclasses 1 value
S1788	The UPS Store	1,095	408,549,400	1,091	4	3	641,878.98	227	865	0.0027	0.0016	110	0.0091	0.0048	985	0.002	2,017	2,026	0.06	false	null	https://data.sba.gov/dataset/7a-504-foia
78760	SUBWAY SANDWICH SHOP	603	147,180,000	557	46	23	2,746,221.16	564	16	0.0381	0.0187	603	0.0381	0.0187	0	null	2,010	2,013	0.8	false	null	https://data.sba.gov/dataset/7a-504-foia
13680	SUBWAY	564	142,018,700	550	14	56	8,635,583.27	462	46	0.0993	0.0608	564	0.0993	0.0608	0	null	2,010	2,018	2.1	false	null	https://data.sba.gov/dataset/7a-504-foia
S1373	Quality Inn, Quality Inn & Suites,	544	1,423,019,200	464	80	5	5,686,234.77	206	333	0.0092	0.004	163	0.0307	0.0142	381	0	2,014	2,026	0.19	false	null	https://data.sba.gov/dataset/7a-504-foia
S1639	Subway	541	184,026,500	525	16	22	4,086,428.48	244	275	0.0407	0.0222	204	0.0735	0.0513	337	0.0208	2,011	2,026	0.86	false	null	https://data.sba.gov/dataset/7a-504-foia
80979	TEMPORARY FRANCHISES	524	312,162,000	89	435	32	15,716,918.42	400	92	0.0611	0.0503	524	0.0611	0.0503	0	null	2,010	2,013	1.29	false	null	https://data.sba.gov/dataset/7a-504-foia
S0122	Anytime Fitness	516	289,170,500	492	24	34	11,842,465.51	197	285	0.0659	0.041	183	0.1585	0.095	333	0.015	2,015	2,026	1.39	false	null	https://data.sba.gov/dataset/7a-504-foia
S2031	Hotworx	501	186,690,200	501	0	2	69,997.65	135	364	0.004	0.0004	37	0	0	464	0.0043	2,018	2,026	0.08	false	null	https://data.sba.gov/dataset/7a-504-foia
S0067	Ace Hardware	434	434,863,900	369	65	8	2,902,834.78	116	310	0.0184	0.0067	87	0.0805	0.0359	347	0.0029	2,012	2,026	0.39	false	org:ACE HARDWARE	https://data.sba.gov/dataset/7a-504-foia
S1753	The Goddard School	417	843,647,700	367	50	1	58,498.96	97	319	0.0024	0.0001	107	0.0093	0.0002	310	0	2,014	2,026	0.05	false	null	https://data.sba.gov/dataset/7a-504-foia
S1645	Super 8 by Wyndhan / Super 8	403	796,936,000	359	44	3	6,536,103.31	145	255	0.0074	0.0082	87	0.023	0.0132	316	0.0032	2,015	2,026	0.16	false	null	https://data.sba.gov/dataset/7a-504-foia
S2125	Best Western - Best Western Plus - Best Western Premier- Executive Residency by Best Western- @Home by Best Western - GLo - Aiden - Membership Agreement	392	1,197,660,000	292	100	2	2,529,426.41	132	258	0.0051	0.0021	97	0.0103	0.0055	295	0.0034	2,012	2,026	0.11	false	null	https://data.sba.gov/dataset/7a-504-foia
S0488	Days Inn / Days Inn by Wyndham	382	876,641,400	343	39	4	2,187,024.72	117	261	0.0105	0.0025	111	0.036	0.0093	271	0	2,012	2,026	0.22	false	null	https://data.sba.gov/dataset/7a-504-foia
S1353	Primrose Schools	374	821,512,600	246	128	0	0	86	288	0	0	100	0	0	274	0	2,010	2,026	0	false	null	https://data.sba.gov/dataset/7a-504-foia
11965	JIMMY JOHN'S	373	168,570,200	361	12	25	8,186,475.66	317	31	0.067	0.0486	373	0.067	0.0486	0	null	2,012	2,018	1.41	false	null	https://data.sba.gov/dataset/7a-504-foia
10245	ANYTIME FITNESS	368	146,851,100	359	9	39	11,323,286.19	295	34	0.106	0.0771	368	0.106	0.0771	0	null	2,013	2,018	2.24	false	null	https://data.sba.gov/dataset/7a-504-foia
S1815	Tropical Smoothie Cafe	355	166,431,800	351	4	4	804,547.44	134	217	0.0113	0.0048	87	0.023	0.0128	268	0.0075	2,016	2,026	0.24	false	null	https://data.sba.gov/dataset/7a-504-foia
S0449	Culver's	343	489,477,900	157	186	0	0	88	255	0	0	107	0	0	236	0	2,014	2,026	0	false	null	https://data.sba.gov/dataset/7a-504-foia
S1133	Motel 6	338	882,093,400	305	33	1	307,835.33	124	213	0.003	0.0003	80	0.0125	0.0018	258	0	2,013	2,026	0.06	false	null	https://data.sba.gov/dataset/7a-504-foia
S0901	Jersey Mike’s Subs; Jersey Mike’s	312	146,886,600	310	2	2	300,368.57	134	176	0.0064	0.002	59	0.0339	0.0161	253	0	2,017	2,026	0.14	false	null	https://data.sba.gov/dataset/7a-504-foia
13913	THE UPS STORE	310	65,510,600	309	1	1	116,992.62	278	31	0.0032	0.0018	310	0.0032	0.0018	0	null	2,011	2,018	0.07	false	null	https://data.sba.gov/dataset/7a-504-foia
13058	QUALITY INN/QUALITY SUITES, HOTEL OR RESORT	309	639,125,000	273	36	4	9,232,327.95	248	57	0.0129	0.0144	309	0.0129	0.0144	0	null	2,013	2,018	0.27	false	null	https://data.sba.gov/dataset/7a-504-foia
S0513	Domino's Pizza	307	235,142,800	290	17	3	1,445,698.71	115	189	0.0098	0.0061	51	0.0196	0.0072	256	0.0078	2,016	2,026	0.21	false	null	https://data.sba.gov/dataset/7a-504-foia
13593	SPORT CLIPS	304	71,120,600	304	0	24	3,534,914.54	264	16	0.0789	0.0497	304	0.0789	0.0497	0	null	2,013	2,018	1.67	false	null	https://data.sba.gov/dataset/7a-504-foia
10465	BEST WESTERN INN	302	636,513,900	195	107	7	9,489,499.04	221	74	0.0232	0.0149	302	0.0232	0.0149	0	null	2,010	2,018	0.49	false	null	https://data.sba.gov/dataset/7a-504-foia

Franchise Brand SBA Default Rates: free sample (Tensorust LLC)

SBA 7(a) and 504 charge-off rates for every franchise brand since FY2010.

Headline: SBA's FOIA loan file tags each franchise loan with a brand code.

This repository is a free teaser, not the dataset. It holds 25 example rows and a summary table with no names in it. The full file has 2,885 rows and is sold by Tensorust LLC: https://tensorust.com/datasets/sba-franchise-chargeoff-rates/.

Files here

file	what it is
`sample.csv`	25 rows of the full file (the same sample shown on tensorust.com)
`summary_by_first_loan_fiscal_year.csv`	row counts and totals by first loan fiscal year across the full file, no entity names (groups with fewer than 3 rows are folded into "Other")

Summary by first loan fiscal year (largest groups)

First loan fiscal year	rows	Charge-offs (USD)
2018	631	168,553,320
2010	372	194,074,470
2013	293	191,733,768
2014	292	109,317,714
2019	246	26,921,921
2015	134	75,541,451
2016	126	59,794,488
2020	121	8,207,472
2021	117	13,274,896
2017	104	36,116,274
2011	103	54,007,473
2022	86	7,893,759
TOTAL	2,885	1,023,041,519

Full table: summary_by_first_loan_fiscal_year.csv.

What the full file has

2,885 rows
Key fields: franchise_code, franchise_name, loans, gross_approved, loans_7a, loans_504, chargeoff_loans, chargeoff_amount, paid_in_full_loans, active_loans
Parquet and CSV, a README with sources, method and limits, and the build script
Free 25-row sample (no personal contact data)

Coverage: Every franchise code with 5 or more funded 7(a) or 504 loans approved FY2010 to FY2026. SBA FOIA file as of Sep 30 2026

Columns in the full file

column	meaning
`franchise_code`	SBA franchise code
`franchise_name`	Franchise brand (most common name on the code)
`loans`	Funded loans (cancelled and not funded excluded)
`gross_approved`	Gross approved dollars
`loans_7a`	7(a) loans
`loans_504`	504 loans
`chargeoff_loans`	Loans charged off
`chargeoff_amount`	Gross charge-off dollars
`paid_in_full_loans`	Loans paid in full
`active_loans`	Active loans (status exempt or committed)
`chargeoff_rate_loans`	Charged-off loans divided by loans
`chargeoff_rate_dollars`	Charge-off dollars divided by approved dollars
`seasoned_loans_fy2010_2019`	Loans approved FY2010 to FY2019
`seasoned_chargeoff_rate_loans`	Charge-off rate for FY2010 to FY2019 approvals
`seasoned_chargeoff_rate_dollars`	Dollar charge-off rate for FY2010 to FY2019 approvals
`loans_fy2020_on`	Loans approved FY2020 on (mostly not seasoned)
`chargeoff_rate_loans_fy2020_on`	Charge-off rate for FY2020 on
`first_fy`	First approval FY
`last_fy`	Latest approval FY
`vs_all_franchise_rate`	Brand charge-off rate divided by the all-franchise rate
`small_sample`	Fewer than 30 seasoned loans: read the rate with care
`ontology_oid`	Tensorust ontology organization id (name match)
`source`	SBA FOIA dataset page

Get the full file

tier	price	includes
Brand report	$495	Up to 5 franchise brands: loans, dollars, charge-offs, seasoned and recent charge-off rates, 7(a) vs 504 split and the comparison to all franchises. For buyers doing FDD diligence.
Full brand dataset	$2,500	All 2,885 franchise brands with 5 or more SBA loans since FY2010, every rate and count. CSV and Excel.
Lender license with quarterly refresh	$9,500 a year	The brand dataset refreshed each quarter when SBA posts the FOIA file, for franchise lenders' credit policy and franchise brokers. Internal use, unlimited seats.

Email mattbusel@tensorust.com with the tier and a billing contact, and we will send a proper invoice (ACH or card). The file is delivered once the invoice is paid. Details and the live sample: https://tensorust.com/datasets/sba-franchise-chargeoff-rates/. All datasets: https://tensorust.com/datasets/

Method and limits

Combine the 7(a) and 504 FOIA files, drop cancelled and unfunded loans, group by franchise code, count and sum by loan status, compute rates for all cohorts and the seasoned FY2010 to FY2019 cohort.

Not a franchisee failure rate (a business can close without a charge-off or survive one), not adjusted for loan age beyond the seasoned cohort, and no borrower-level data: no franchisee names or addresses.

Sources

SBA 7(a) and 504 FOIA loan data, FY2010 to present, as of Sep 30 2026 (data.sba.gov/dataset/7a-504-foia)

License

The sample and summary here are free to view, analyze and cite with attribution to "Tensorust LLC, https://tensorust.com/datasets/sba-franchise-chargeoff-rates/". The full dataset is licensed separately per tier. No resale or redistribution of Tensorust data without a written license.

Tensorust LLC, Tuckahoe NY. mattbusel@tensorust.com | https://tensorust.com

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