Franchise SBA default-rate reports
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
8 data reports rank the 415 franchise brands on this site by SBA 7(a) default rate, loan volume, loan size, approval year, industry, and early charge-offs since 2020, all computed from U.S. Small Business Administration loan records for the matured FY2010–FY2019 cohort with statuses as of June 30, 2026. Every report has a downloadable CSV.
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.
Where should I start?
Start with the pillar report if you want the whole picture on one page. It covers the distribution of brand-level rates, the 50 highest and lowest brands, and breakdowns by approval year, industry, and loan size. Come to the single reports below when you need one of those cuts in full.
- Franchise SBA Default Rates: 415 Brands, Matured FY2010–2019 Cohort — The pillar: 415 brands, distribution, 50 highest and lowest, by year, industry, loan size, and since-2020 counts.
Which reports are available?
Each report is built from the same federal data as the brand pages. Each carries its own table, FAQ, and citation, and each can be downloaded as a CSV. All rebuild with every SBA data release.
| Report | What it shows | Rows |
|---|---|---|
| SBA Default Rates by Franchise Industry | All 102 industries: pooled and median brand rate, brands, loans, benchmark. | 102 |
| Franchise SBA Default Rate by Approval Year | Vintage table FY2010–FY2019, tracked brands vs all franchised borrowers, with per-industry vintages. | 24 |
| Franchise SBA Default Rate by Loan Size | Four loan-size bands plus the 25 largest and 25 smallest average loans. | 54 |
| Franchise SBA Early Charge-Offs Since 2020 | 166 brands with 30+ loans since 2020, ranked by early charge-offs and share. | 191 |
| Largest SBA Franchise Borrowers | Top 100 brands by resolved SBA loan count, with default rate and post-2020 lending. | 100 |
| Biggest Shifts in Franchise SBA Loan Size | 25 largest increases and decreases in average SBA loan, 2010s vs since 2020. | 50 |
| Zero-Default Franchises | 16 brands at 0% with 50+ loans, plus a small-sample table at 20+. | 51 |
Which ranked lists are available?
Each list ranks brands one way and links to the brand page behind every row.
- Franchises With the Highest SBA Default Rates — 25 brands with 40+ resolved loans, ranked.
- Franchises With 0% SBA Default Rates — 23 brands with 40+ resolved loans, ranked.
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.
Cite this page
Franchise Failure Rates (2026). Franchise SBA default-rate reports index. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/reports/ · Data & methodology
How this site is funded. Franchise Failure Rates takes no money from franchisors, franchise brokers, or franchise consultants. We do not sell leads, claimed listings, or franchisor reports. Revenue comes from reports and data sold to prospective franchisees, their attorneys, and lenders.