Fish Window Cleaning Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Fish Window Cleaning franchisees defaulted on 27.3% of SBA 7(a) loans between FY2010 and FY2019 — 6 of 22 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Janitorial Services industry average of 11.2%.
- 27.3%SBA default rate6 of 22 loans
- 22loans resolvedapproved FY2010–FY2019
- 11.2%Janitorial Services averageall SBA loans in the industry
- 9th lowestindustry rankof 10 Janitorial Services brands
| SBA default rate | 27.3% |
|---|---|
| Loans approved | 22 |
| Loans charged off | 6 |
| Date range | FY2010–FY2019 |
| Industry | Janitorial Services |
| Industry average | 11.2% |
| 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 Fish Window Cleaning SBA borrowers failed to repay — more than double the Janitorial Services average of 11.2%.
What is the Fish Window Cleaning franchise failure rate on SBA loans?
Fish Window Cleaning is a Janitorial Services franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Fish Window Cleaning franchisees: 22 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–FY201922
- Charged off6
- Charge-off rate27.3%
- Janitorial Services franchise benchmark11.2%
- Brand vs industry2.4x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$98,064
How does Fish Window Cleaning compare with other Janitorial Services franchises?
The table sets Fish Window Cleaning's charge-off rate beside its Janitorial Services 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 | Fish Window Cleaning | Janitorial Services | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 27.3% | 11.2% | 10.2% | 8.0% |
| Loans in sample | 22 | — | — | — |
| Defaults | 6 | — | — | — |
| Average loan size | $98,064 | — | — | — |
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 | 1 | 0 | 0.0% |
| FY2011 | 1 | 0 | 0.0% |
| FY2012 | 1 | 0 | 0.0% |
| FY2013 | 1 | 0 | 0.0% |
| FY2014 | 2 | 0 | 0.0% |
| FY2015 | 3 | 2 | 66.7% |
| FY2016 | 8 | 2 | 25.0% |
| FY2017 | 4 | 2 | 50.0% |
| FY2018 | 1 | 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?
Fish Window Cleaning's figure rests on 22 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 22 resolved loans, one default moves the rate by about 4.5 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 Fish Window Cleaning figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 22 resolved loans — directional, not precise.
Is Fish Window Cleaning in financial trouble? What the SBA data shows
Fish Window Cleaning's SBA 7(a) default rate was 27.3% for loans approved FY2010–FY2019 (6 of 22 loans charged off) — 9th lowest of 10 Janitorial Services brands tracked here. A default rate this far above the Janitorial Services average of 11.2% is a signal worth investigating further before investing.
Frequently asked
- What is Fish Window Cleaning's franchise failure rate?
- Fish Window Cleaning franchisees defaulted on 27.3% of SBA 7(a) loans between FY2010 and FY2019 — 6 of 22 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Janitorial Services industry average of 11.2%.
- How does Fish Window Cleaning compare to other Janitorial Services franchises?
- Fish Window Cleaning's 27.3% SBA default rate is higher than the Janitorial Services industry average of 11.2%. See every Janitorial Services franchise ranked on the Janitorial Services industry page. Janitorial Services 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). Fish Window Cleaning franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 27.3% (6 of 22 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/fish-window-cleaning/ · Data & methodology · Download the dataset (CSV)