Retail businesses are unique to value because they’re heavy on physical assets (inventory, fixtures, location) but also depend on daily operations like customer flow and smart buying. A “pretty” P&L can hide problems — or strengths — that swing the true worth by 20-50%.
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The “Safe Bet” List: Top Franchises Ranked by Lowest SBA Default Rates
To keep the data reliable, we look at charge-offs—instances where the borrower couldn’t repay and the SBA had to pay the lender guarantee. We’ve also filtered this list to brands with over 25 loans. Why? Because a brand with only 2 loans and 0 defaults doesn’t have a large enough sample size to prove it’s a “safe bet.”
What does the SBA look at when deciding to loan on a business deal?
When an SBA lender evaluates a 7(a) loan application, they are essentially looking for a “sound” business case that minimizes the risk to the government, which guarantees a large portion of the loan.
Lenders focus on “The Five Cs of Credit” but through the specific lens of SBA regulations.
Heres How to Value a Restaurant: Beyond Just the Bottom Line
A restaurant with low table turns in a high-demand concept could indicate issues with service speed, kitchen efficiency, or even menu complexity.
Top Ways to Increase Business Value for Tampa Bay Owners Planning an Exit
Maximizing business value before selling is a smart move for Tampa Bay small business owners. Start with a free valuation from Michael Shea at Transworld to set your baseline.