Freestanding Ambulatory Surgical and Emergency Centers Franchise Failure Rates: 1 Brands Ranked (SBA Data)

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

Freestanding Ambulatory Surgical and Emergency Centers franchises defaulted on 5.2% of SBA 7(a) loans between FY2010 and FY2019, according to U.S. Small Business Administration data. This page ranks 1 brand with 38 loans (3 charged off); the one brand tracked, Doctors Express, defaulted on 7.9%.

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.

How do Freestanding Ambulatory Surgical and Emergency Centers franchises perform on SBA loans?

Across the 1 Freestanding Ambulatory Surgical and Emergency Centers brand tracked here, 38 SBA 7(a) loans were approved between fiscal 2010 and 2019 and 3 were charged off. That is a pooled rate of 7.9% for these brands against a 5.2% industry average for all SBA 7(a) Freestanding Ambulatory Surgical and Emergency Centers loans, franchised or not. 0 brands with 20+ loans ran at more than twice the industry benchmark. 0 brands with 40+ loans recorded zero defaults. Statuses as of June 30, 2026.

• Brands tracked1
• SBA 7(a) loans, FY2010–FY201938
• Charged off3
• Pooled rate, these brands7.9%
• Freestanding Ambulatory Surgical and Emergency Centers industry average (all SBA 7(a) loans)5.2%
• All-franchise benchmark10.2%
• All SBA borrowers8.0%
• Lowest rateDoctors Express · 7.9%
• Highest rateDoctors Express · 7.9%

Which Freestanding Ambulatory Surgical and Emergency Centers franchise brands have the highest and lowest SBA default rates?

Every Freestanding Ambulatory Surgical and Emergency Centers brand tracked here, ranked from lowest to highest SBA default rate. Click a column heading to re-sort. Type in the filter to find a brand.

How to read this: a default rate is only as steady as the number of loans behind it. Brands with fewer than 20 loans are marked †. With so few loans, one default moves the rate by 5 percentage points or more. Their rates are statistically noisy. Read them as flags to check, not as rankings to trust. Rate = loans charged off ÷ loans approved FY2010–FY2019 and since resolved.

All industries: franchise failure rates by industry.