Fuzzy's Taco Shop Franchise Failure Rate

SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026

Fuzzy's Taco Shop franchisees defaulted on 12.9% of SBA 7(a) loans between FY2010 and FY2019 — 4 of 31 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Limited-Service Restaurants industry average of 10.3%.

  • 12.9%SBA default rate4 of 31 loans
  • 31loans resolvedapproved FY2010–FY2019
  • 10.3%Limited-Service Restaurants averageall SBA loans in the industry
  • 52nd lowestindustry rankof 81 Limited-Service Restaurants brands
Key facts — Fuzzy's Taco Shop SBA 7(a) loan outcomes, FY2010–FY2019. Loan statuses as of June 30, 2026.
SBA default rate12.9%
Loans approved31
Loans charged off4
Date rangeFY2010–FY2019
IndustryLimited-Service Restaurants
Industry average10.3%
Data sourceU.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.

12.9%
charge-off rate on 31 SBA 7(a) loans to Fuzzy's Taco Shop franchisees, FY2010–FY2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Fuzzy's Taco Shop against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Fuzzy's Taco Shop 12.9%; Limited-Service Restaurants 10.3%; All franchises 10.2%Fuzzy's Taco Shop 12.9%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%5%10%Fuzzy's Taco Shop12.9%Limited-ServiceRestaurants10.3%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Fuzzy's Taco Shop 12.9%; Limited-Service Restaurants 10.3%; All franchises 10.2%Fuzzy's Taco Shop 12.9%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%5%10%Fuzzy's Taco Shop12.9%Limited-Service Restaurants10.3%All franchises10.2%

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.

About 1 in 8 Fuzzy's Taco Shop SBA borrowers failed to repay — above the Limited-Service Restaurants average of 10.3%.

What is the Fuzzy's Taco Shop franchise failure rate on SBA loans?

Fuzzy's Taco Shop is a Limited-Service Restaurants franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Fuzzy's Taco Shop franchisees: 31 loans approved between fiscal 2010 and 2019, of which 4 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–FY201931
  • Charged off4
  • Charge-off rate12.9%
  • Limited-Service Restaurants franchise benchmark10.3%
  • Brand vs industry1.2x
  • All-franchise SBA benchmark10.2%
  • Average loan size, 2010s cohort$400,071
  • New SBA loans since 20208
  • Early charge-offs since 20201

How does Fuzzy's Taco Shop compare with other Limited-Service Restaurants franchises?

The table sets Fuzzy's Taco Shop's charge-off rate beside its Limited-Service Restaurants 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.

Fuzzy's Taco Shop versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureFuzzy's Taco ShopLimited-Service RestaurantsAll franchisesAll SBA borrowers
Default (charge-off) rate12.9%10.3%10.2%8.0%
Loans in sample31———
Defaults4———
Average loan size$400,071———

What has Fuzzy's Taco Shop SBA lending looked like since 2020?

Since 2020, Fuzzy's Taco Shop franchisees have taken 8 new SBA 7(a) loans. 1 has already charged off. Early defaults on loans under six years old are worth noting. Most SBA failures take longer to develop.

Charge-off rate by approval year — share of each fiscal year's Fuzzy's Taco Shop SBA 7(a) loans that later defaulted (FY2010–FY2019); years with fewer than 10 loans are outlined, not filled
Charge-off rate by approval year: FY2010 0% of 2 loans; FY2011 0% of 1 loans; FY2014 0% of 2 loans; FY2015 0% of 7 loans; FY2016 20% of 10 loans; FY2017 17% of 6 loans; FY2018 33% of 3 loansCharge-off rate by approval year: FY2010 0% of 2 loans; FY2011 0% of 1 loans; FY2014 0% of 2 loans; FY2015 0% of 7 loans; FY2016 20% of 10 loans; FY2017 17% of 6 loans; FY2018 33% of 3 loans0%10%20%0%2010n=20%2011n=10%2014n=20%2015n=720%2016n=1017%2017n=633%2018n=3
Charge-off rate by approval year: FY2010 0% of 2 loans; FY2011 0% of 1 loans; FY2014 0% of 2 loans; FY2015 0% of 7 loans; FY2016 20% of 10 loans; FY2017 17% of 6 loans; FY2018 33% of 3 loansCharge-off rate by approval year: FY2010 0% of 2 loans; FY2011 0% of 1 loans; FY2014 0% of 2 loans; FY2015 0% of 7 loans; FY2016 20% of 10 loans; FY2017 17% of 6 loans; FY2018 33% of 3 loans0%10%20%0%’10n=20%’11n=10%’14n=20%’15n=720%’16n=1017%’17n=633%’18n=3

Loans approved since 2020, by fiscal year — counts only: 1 has charged off to date and most are still outstanding, so no rate is drawn.

Loans approved since 2020: FY2021 2; FY2022 2; FY2025 2; FY2026 2Loans approved since 2020: FY2021 2; FY2022 2; FY2025 2; FY2026 222021220222202522026
Loans approved since 2020: FY2021 2; FY2022 2; FY2025 2; FY2026 2Loans approved since 2020: FY2021 2; FY2022 2; FY2025 2; FY2026 22’212’222’252’26

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010200.0%
FY2011100.0%
FY2014200.0%
FY2015700.0%
FY201610220.0%
FY20176116.7%
FY20183133.3%
FY20212—outstanding
FY20222—outstanding
FY20252—outstanding
FY20262—outstanding

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?

Fuzzy's Taco Shop's figure rests on 31 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 31 resolved loans, one default moves the rate by about 3.2 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 Fuzzy's Taco Shop figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 31 resolved loans — directional, not precise.

Is Fuzzy's Taco Shop in financial trouble? What the SBA data shows

Fuzzy's Taco Shop's SBA 7(a) default rate was 12.9% for loans approved FY2010–FY2019 (4 of 31 loans charged off) — 52nd lowest of 81 Limited-Service Restaurants brands tracked here. A default rate close to the Limited-Service Restaurants average of 10.3% is, on its own, neither a warning sign nor a reassurance.

Frequently asked

What is Fuzzy's Taco Shop's franchise failure rate?
Fuzzy's Taco Shop franchisees defaulted on 12.9% of SBA 7(a) loans between FY2010 and FY2019 — 4 of 31 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Limited-Service Restaurants industry average of 10.3%.
How does Fuzzy's Taco Shop compare to other Limited-Service Restaurants franchises?
Fuzzy's Taco Shop's 12.9% SBA default rate is higher than the Limited-Service Restaurants industry average of 10.3%. See every Limited-Service Restaurants franchise ranked on the Limited-Service Restaurants industry page. Limited-Service Restaurants 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). Fuzzy's Taco Shop franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 12.9% (4 of 31 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/fuzzys-taco-shop/ · Data & methodology · Download the dataset (CSV)

Author: Franchise Failure Rates · First published August 17, 2026 · Updated September 30, 2026 · Citation format