Federal records
Search the charge-off records
Every SBA 7(a) loan since 2010 that ended in a charge-off — the business name, where it was, the bank that made the loan, and the dollars the government lost. This is the raw federal FOIA record. Look them up, and count them yourself.
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| Business | Where | Lender | Franchise | Industry | Approved | Charged off | SBA loss |
|---|
A charge-off means the lender wrote the loan off as a loss; SBA honored its guaranty. It does not mean fraud, and it does not tell you why the business failed — only that this loan, to this borrower, did not get repaid. Addresses are limited to city and state; the full record for any loan is in the public SBA 7(a) FOIA file.
Common questions
What is a charge-off?
A charge-off is the SBA formally recording a loan as a loss after its guarantee has been paid out to the lender. It is the closest thing in the federal data to a definitive “this loan failed.”
Are these real businesses?
Yes. Every record here comes straight from the SBA’s FOIA release — business name, city and loss amount as published. We omit street addresses by choice.
What share of SBA loans end up charged off?
Of 7(a) loans old enough to judge, 5.7% were charged off within seven years, and the rate falls sharply as loans get larger. See default rates by loan size.