DetailXPerts Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
DetailXPerts franchisees defaulted on 46.7% of SBA 7(a) loans between FY2010 and FY2019 — 7 of 15 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Car Washes industry average of 5.9%.
- 46.7%SBA default rate, small sample7 of 15 loans
- 15loans resolvedapproved FY2010–FY2019
- 5.9%Car Washes averageall SBA loans in the industry
- 10.2%all-franchise average7.8% non-franchised
| SBA default rate | 46.7% (small sample) |
|---|---|
| Loans approved | 15 |
| Loans charged off | 7 |
| Date range | FY2010–FY2019 |
| Industry | Car Washes |
| Industry average | 5.9% |
| 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.
7 of 15 DetailXPerts SBA borrowers failed to repay — too few loans to call a rate; read it as a flag, not a verdict.
What is the DetailXPerts franchise failure rate on SBA loans?
DetailXPerts is a Car Washes franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to DetailXPerts franchisees: 15 loans approved between fiscal 2010 and 2019, of which 7 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–FY201915
- Charged off7
- Charge-off rate (small sample)46.7%
- Car Washes franchise benchmark5.9%
- Brand vs industry7.9x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$140,667
How does DetailXPerts compare with other Car Washes franchises?
The table sets DetailXPerts's charge-off rate beside its Car Washes 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. A cell in red is more than twice the industry benchmark.
| Measure | DetailXPerts | Car Washes | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 46.7% (small sample) | 5.9% | 10.2% | 8.0% |
| Loans in sample | 15 | — | — | — |
| Defaults | 7 | — | — | — |
| Average loan size | $140,667 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2015 | 3 | 3 | 100.0% |
| FY2016 | 7 | 3 | 42.9% |
| FY2017 | 4 | 0 | 0.0% |
| FY2019 | 1 | 1 | 100.0% |
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?
DetailXPerts's figure rests on 15 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the count is a settled outcome, not a projection. With 15 resolved loans, one default moves the rate by about 6.7 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 DetailXPerts figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (15 loans). A single default moves this figure substantially.
Is DetailXPerts in financial trouble? What the SBA data shows
DetailXPerts's SBA 7(a) default rate was 46.7% for loans approved FY2010–FY2019 (7 of 15 loans charged off) — the only Car Washes brand tracked here. A default rate this far above the Car Washes average of 5.9% is a signal worth investigating further before investing. With only 15 loans in the sample, one default moves the rate by about 6.7 percentage points, so read it as a flag rather than a verdict.
Frequently asked
- What is DetailXPerts's franchise failure rate?
- DetailXPerts franchisees defaulted on 46.7% of SBA 7(a) loans between FY2010 and FY2019 — 7 of 15 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Car Washes industry average of 5.9%.
- How does DetailXPerts compare to other Car Washes franchises?
- DetailXPerts's 46.7% SBA default rate is higher than the Car Washes industry average of 5.9%. See every Car Washes franchise ranked on the Car Washes industry page. Car Washes 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). DetailXPerts franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 46.7% (7 of 15 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/detailxperts/ · Data & methodology · Download the dataset (CSV)