Kilwin's Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Kilwin's franchisees defaulted on 0.0% of SBA 7(a) loans between FY2010 and FY2019 — 0 of 16 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Confectionery and Nut Stores industry average of 9.7%.
- 0.0%SBA default rate, small sample0 of 16 loans
- 16loans resolvedapproved FY2010–FY2019
- 9.7%Confectionery and Nut Stores averageall SBA loans in the industry
- 1st lowestindustry rankof 2 Confectionery and Nut Stores brands
| SBA default rate | 0.0% (small sample) |
|---|---|
| Loans approved | 16 |
| Loans charged off | 0 |
| Date range | FY2010–FY2019 |
| Industry | Confectionery and Nut Stores |
| Industry average | 9.7% |
| 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.
None of the 16 Kilwin's SBA borrowers in the sample failed to repay — but 16 loans is too few to call a rate.
What is the Kilwin's franchise failure rate on SBA loans?
Kilwin's is a Confectionery and Nut Stores franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Kilwin's franchisees: 16 loans approved between fiscal 2010 and 2019, of which 0 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–FY201916
- Charged off0
- Charge-off rate (small sample)0.0%
- Confectionery and Nut Stores franchise benchmark9.7%
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$271,794
How does Kilwin's compare with other Confectionery and Nut Stores franchises?
The table sets Kilwin's's charge-off rate beside its Confectionery and Nut Stores 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 | Kilwin's | Confectionery and Nut Stores | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.0% (small sample) | 9.7% | 10.2% | 8.0% |
| Loans in sample | 16 | — | — | — |
| Defaults | 0 | — | — | — |
| Average loan size | $271,794 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2013 | 2 | 0 | 0.0% |
| FY2014 | 4 | 0 | 0.0% |
| FY2015 | 4 | 0 | 0.0% |
| FY2016 | 6 | 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?
Kilwin's's figure rests on 16 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 16 resolved loans, one default moves the rate by about 6.2 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 Kilwin's figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (16 loans). A single default moves this figure substantially.
Is Kilwin's in financial trouble? What the SBA data shows
Kilwin's's SBA 7(a) default rate was 0.0% for loans approved FY2010–FY2019 (0 of 16 loans charged off) — the lowest of 2 Confectionery and Nut Stores brands tracked here. A default rate this far below the Confectionery and Nut Stores average of 9.7% is not, on its own, a sign of distress. With only 16 loans in the sample, one default moves the rate by about 6.2 percentage points, so read it as a flag rather than a verdict.
Frequently asked
- What is Kilwin's's franchise failure rate?
- Kilwin's franchisees defaulted on 0.0% of SBA 7(a) loans between FY2010 and FY2019 — 0 of 16 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Confectionery and Nut Stores industry average of 9.7%.
- How does Kilwin's compare to other Confectionery and Nut Stores franchises?
- Kilwin's's 0.0% SBA default rate is lower than the Confectionery and Nut Stores industry average of 9.7%. See every Confectionery and Nut Stores franchise ranked on the Confectionery and Nut Stores industry page. Confectionery and Nut Stores 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). Kilwin's franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 16 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/kilwins/ · Data & methodology · Download the dataset (CSV)