18/8 Fine Men's Salons Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
18/8 Fine Men's Salons franchisees defaulted on 15.0% of SBA 7(a) loans between FY2010 and FY2019 — 6 of 40 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Beauty Salons industry average of 8.6%.
- 15.0%SBA default rate6 of 40 loans
- 40loans resolvedapproved FY2010–FY2019
- 8.6%Beauty Salons averageall SBA loans in the industry
- 10th lowestindustry rankof 15 Beauty Salons brands
| SBA default rate | 15.0% |
|---|---|
| Loans approved | 40 |
| Loans charged off | 6 |
| Date range | FY2010–FY2019 |
| Industry | Beauty Salons |
| Industry average | 8.6% |
| Data source | U.S. SBA 7(a) FOIA loan data |
Most SBA default figures published online use loans approved since 2020 — loans that have had six years or less to fail — so those rates are floors, not outcomes. Every rate on this site is computed from the matured FY2010–FY2019 cohort: loans that have been paid in full or charged off, so the result is settled. Loans approved since 2020 are shown as counts so early charge-offs are visible without being mistaken for a rate.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 7 18/8 Fine Men's Salons SBA borrowers failed to repay — well above the Beauty Salons average of 8.6%.
What is the 18/8 Fine Men's Salons franchise failure rate on SBA loans?
18/8 Fine Men's Salons is a Beauty Salons franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to 18/8 Fine Men's Salons franchisees: 40 loans approved between fiscal 2010 and 2019, of which 6 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201940
- Charged off6
- Charge-off rate15.0%
- Beauty Salons franchise benchmark8.6%
- Brand vs industry1.7x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$253,452
How does 18/8 Fine Men's Salons compare with other Beauty Salons franchises?
The table sets 18/8 Fine Men's Salons's charge-off rate beside its Beauty Salons peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | 18/8 Fine Men's Salons | Beauty Salons | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 15.0% | 8.6% | 10.2% | 8.0% |
| Loans in sample | 40 | — | — | — |
| Defaults | 6 | — | — | — |
| Average loan size | $253,452 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2014 | 8 | 0 | 0.0% |
| FY2015 | 17 | 3 | 17.6% |
| FY2016 | 6 | 0 | 0.0% |
| FY2017 | 7 | 3 | 42.9% |
| FY2018 | 2 | 0 | 0.0% |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
18/8 Fine Men's Salons's figure rests on 40 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the rate is a settled outcome, not a projection. With 40 resolved loans, one default moves the rate by about 2.5 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every 18/8 Fine Men's Salons figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 40 resolved loans — directional, not precise.
Is 18/8 Fine Men's Salons in financial trouble? What the SBA data shows
18/8 Fine Men's Salons's SBA 7(a) default rate was 15.0% for loans approved FY2010–FY2019 (6 of 40 loans charged off) — 10th lowest of 15 Beauty Salons brands tracked here. A default rate this far above the Beauty Salons average of 8.6% is a signal worth investigating further before investing.
Frequently asked
- What is 18/8 Fine Men's Salons's franchise failure rate?
- 18/8 Fine Men's Salons franchisees defaulted on 15.0% of SBA 7(a) loans between FY2010 and FY2019 — 6 of 40 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Beauty Salons industry average of 8.6%.
- How does 18/8 Fine Men's Salons compare to other Beauty Salons franchises?
- 18/8 Fine Men's Salons's 15.0% SBA default rate is higher than the Beauty Salons industry average of 8.6%. See every Beauty Salons franchise ranked on the Beauty Salons industry page. Beauty Salons franchises →
- What does 'SBA default rate' mean?
- An SBA default rate is the share of SBA 7(a) loans, approved FY2010–FY2019 and since resolved (paid in full or charged off), that were charged off — written off after the borrower failed to repay. It is not a measure of unit closures.
Source
Source: U.S. Small Business Administration, 7(a) loan program charge-off data, FY2010–FY2019. Franchise data is matched on the SBA's franchise code / brand name. "Failure rate" here means the share of approved loans (resolved: paid in full or charged off) that were charged off; it is not a measure of unit closures. Last updated September 30, 2026.
Every brand in one table, with percentiles and breakdowns by year, industry and loan size: franchise SBA default rates, all 415 brands.
Cite this page
Franchise Default Rates (2026). 18/8 Fine Men's Salons franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 15.0% (6 of 40 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/18-8-fine-mens-salons/ · Data & methodology · Download the dataset (CSV)