AAMCO Transmissions Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
AAMCO Transmissions franchisees defaulted on 23.7% of SBA 7(a) loans between FY2010 and FY2019 — 18 of 76 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Automotive Transmission Repair industry average of 14.6%.
- 23.7%SBA default rate18 of 76 loans
- 76loans resolvedapproved FY2010–FY2019
- 14.6%Automotive Transmission Repair averageall SBA loans in the industry
- 10.2%all-franchise average7.8% non-franchised
| SBA default rate | 23.7% |
|---|---|
| Loans approved | 76 |
| Loans charged off | 18 |
| Date range | FY2010–FY2019 |
| Industry | Automotive Transmission Repair |
| Industry average | 14.6% |
| 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 4 AAMCO Transmissions SBA borrowers failed to repay — well above the Automotive Transmission Repair average of 14.6%.
What is the AAMCO Transmissions franchise failure rate on SBA loans?
AAMCO Transmissions is a Automotive Transmission Repair franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to AAMCO Transmissions franchisees: 76 loans approved between fiscal 2010 and 2019, of which 18 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–FY201976
- Charged off18
- Charge-off rate23.7%
- Automotive Transmission Repair franchise benchmark14.6%
- Brand vs industry1.6x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$263,530
How does AAMCO Transmissions compare with other Automotive Transmission Repair franchises?
The table sets AAMCO Transmissions's charge-off rate beside its Automotive Transmission Repair 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 | AAMCO Transmissions | Automotive Transmission Repair | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 23.7% | 14.6% | 10.2% | 8.0% |
| Loans in sample | 76 | — | — | — |
| Defaults | 18 | — | — | — |
| Average loan size | $263,530 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 12 | 4 | 33.3% |
| FY2011 | 8 | 1 | 12.5% |
| FY2012 | 13 | 0 | 0.0% |
| FY2013 | 3 | 1 | 33.3% |
| FY2014 | 9 | 1 | 11.1% |
| FY2015 | 7 | 2 | 28.6% |
| FY2016 | 11 | 4 | 36.4% |
| FY2017 | 8 | 4 | 50.0% |
| FY2018 | 5 | 1 | 20.0% |
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?
AAMCO Transmissions's figure rests on 76 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 76 resolved loans, one default moves the rate by about 1.3 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 AAMCO Transmissions figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 76 resolved loans — directional, not precise.
Is AAMCO Transmissions in financial trouble? What the SBA data shows
AAMCO Transmissions's SBA 7(a) default rate was 23.7% for loans approved FY2010–FY2019 (18 of 76 loans charged off) — the only Automotive Transmission Repair brand tracked here. A default rate this far above the Automotive Transmission Repair average of 14.6% is a signal worth investigating further before investing.
Frequently asked
- What is AAMCO Transmissions's franchise failure rate?
- AAMCO Transmissions franchisees defaulted on 23.7% of SBA 7(a) loans between FY2010 and FY2019 — 18 of 76 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Automotive Transmission Repair industry average of 14.6%.
- How does AAMCO Transmissions compare to other Automotive Transmission Repair franchises?
- AAMCO Transmissions's 23.7% SBA default rate is higher than the Automotive Transmission Repair industry average of 14.6%. See every Automotive Transmission Repair franchise ranked on the Automotive Transmission Repair industry page. Automotive Transmission Repair 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). AAMCO Transmissions franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 23.7% (18 of 76 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/aamco-transmissions/ · Data & methodology · Download the dataset (CSV)