Napa Auto Parts Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Napa Auto Parts franchisees defaulted on 5.9% of SBA 7(a) loans between FY2010 and FY2019 — 3 of 51 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Automotive Parts and Accessories Stores industry average of 7.9%.
- 5.9%SBA default rate3 of 51 loans
- 51loans resolvedapproved FY2010–FY2019
- 7.9%Automotive Parts and Accessories Stores averageall SBA loans in the industry
- 1st lowestindustry rankof 3 Automotive Parts and Accessories Stores brands
| SBA default rate | 5.9% |
|---|---|
| Loans approved | 51 |
| Loans charged off | 3 |
| Date range | FY2010–FY2019 |
| Industry | Automotive Parts and Accessories Stores |
| Industry average | 7.9% |
| 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.
About 1 in 17 Napa Auto Parts SBA borrowers failed to repay — below the Automotive Parts and Accessories Stores average of 7.9%.
What is the Napa Auto Parts franchise failure rate on SBA loans?
Napa Auto Parts is a Automotive Parts and Accessories 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 Napa Auto Parts franchisees: 51 loans approved between fiscal 2010 and 2019, of which 3 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–FY201951
- Charged off3
- Charge-off rate5.9%
- Automotive Parts and Accessories Stores franchise benchmark7.9%
- Brand vs industry0.8x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$459,008
How does Napa Auto Parts compare with other Automotive Parts and Accessories Stores franchises?
The table sets Napa Auto Parts's charge-off rate beside its Automotive Parts and Accessories 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 | Napa Auto Parts | Automotive Parts and Accessories Stores | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 5.9% | 7.9% | 10.2% | 8.0% |
| Loans in sample | 51 | — | — | — |
| Defaults | 3 | — | — | — |
| Average loan size | $459,008 | — | — | — |
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 | 4 | 1 | 25.0% |
| FY2011 | 7 | 0 | 0.0% |
| FY2012 | 7 | 0 | 0.0% |
| FY2013 | 3 | 0 | 0.0% |
| FY2014 | 9 | 2 | 22.2% |
| FY2015 | 9 | 0 | 0.0% |
| FY2016 | 6 | 0 | 0.0% |
| FY2017 | 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?
Napa Auto Parts's figure rests on 51 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 51 resolved loans, one default moves the rate by about 2.0 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 Napa Auto Parts figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 51 resolved loans — directional, not precise.
Is Napa Auto Parts in financial trouble? What the SBA data shows
Napa Auto Parts's SBA 7(a) default rate was 5.9% for loans approved FY2010–FY2019 (3 of 51 loans charged off) — the lowest of 3 Automotive Parts and Accessories Stores brands tracked here. A default rate close to the Automotive Parts and Accessories Stores average of 7.9% is, on its own, neither a warning sign nor a reassurance.
Frequently asked
- What is Napa Auto Parts's franchise failure rate?
- Napa Auto Parts franchisees defaulted on 5.9% of SBA 7(a) loans between FY2010 and FY2019 — 3 of 51 loans were charged off — according to U.S. Small Business Administration data. That is lower than the Automotive Parts and Accessories Stores industry average of 7.9%.
- How does Napa Auto Parts compare to other Automotive Parts and Accessories Stores franchises?
- Napa Auto Parts's 5.9% SBA default rate is lower than the Automotive Parts and Accessories Stores industry average of 7.9%. See every Automotive Parts and Accessories Stores franchise ranked on the Automotive Parts and Accessories Stores industry page. Automotive Parts and Accessories 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). Napa Auto Parts franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 5.9% (3 of 51 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/napa-auto-parts/ · Data & methodology · Download the dataset (CSV)