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The SBA charge-offs come from loans that the SBA has recognized as nonperforming, moving the unpaid amount from its receivables to its uncollectible loan account. Small business loan disbursements of ten or more are tracked for some 583 franchise brands and for all industry codes (NAIC). The charge off rate is from SBA-guaranteed loans from October 1, 2000 to September 30, 2010.
See related article, "Franchise lenders of SBA loans hit hard, change"