CHARLEY'S GRILLED SUBS: how its 21 SBA loans actually performed
Limited-Service Restaurants · 21 units financed with SBA 7(a) loans since 2010 · 13 lenders have funded this brand.
Defaults run at or below the SBA-wide average
1 of 21 seasoned units charged off — 4.8%, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| Bank of Hope | 6 |
| Interstate Bank | 2 |
| JPMorgan Chase Bank, National Association | 2 |
| The Huntington National Bank | 2 |
| NewBank | 1 |
| Legacy Bank | 1 |
13 lenders have funded CHARLEY'S GRILLED SUBS since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
CHARLEY'S GRILLED SUBS is a smaller-sample brand: 21 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 21 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many CHARLEY'S GRILLED SUBS SBA loans have defaulted?
1 of 21 seasoned CHARLEY'S GRILLED SUBS SBA 7(a) loans charged off within seven years — a 4.8% default rate, against 5.7% across all SBA 7(a) loans.
Is a CHARLEY'S GRILLED SUBS franchise a safe SBA loan bet?
By the numbers its default rate is below the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 21 loans it is a smaller sample than our flagship brands.
Which lenders fund CHARLEY'S GRILLED SUBS franchises?
13 lenders have made SBA loans to CHARLEY'S GRILLED SUBS since 2010, led by Bank of Hope.