Franchises · charge-offs

SBA franchise charge-off league table

Name: SBA franchise charge-off league table
Creator: U.S. Small Business Administration
License: https://www.usa.gov/government-works

How often SBA loans to each franchise brand ended in a charge-off. 152 brands with at least 50 resolved loans, lowest rate first. Across all SBA lending the rate is 7.6%.

Brands ranked

152

50+ resolved loans each

Resolved loans

20,401

FY2010-FY2019 approvals

Median brand rate

4.0%

Below all-SBA rate

101 of 152

#	Brand	Charge-off rate	Resolved loans	Charged off	All loans	Median loan
1	Primrose Schools	0.0%	172	$0	583	$2,000,000
2	Club Pilates	0.0%	151	$0	292	$245,500
3	Christian Brothers Automotive	0.0%	145	$0	252	$350,000
4	Culver's	0.0%	141	$0	218	$918,500
5	Holiday Inn Express	0.0%	131	$0	454	$3,155,500
6	Planet Fitness	0.0%	123	$0	159	$1,030,000
7	Nothing Bundt Cakes	0.0%	116	$0	325	$435,000
8	Wingstop	0.0%	110	$0	177	$368,500
9	Culver's Frozen Custard	0.0%	110	$0	136	$726,000
10	Kids 'R' Kids	0.0%	84	$0	160	$1,966,000
11	ServiceMaster Clean	0.0%	75	$0	84	$300,000
12	Biggby Coffee	0.0%	72	$0	291	$240,000
13	Rodeway Inn	0.0%	71	$0	240	$1,473,100
14	Popeyes Louisiana Kitchen	0.0%	62	$0	139	$765,000
15	Goldfish Swim School	0.0%	62	$0	135	$1,490,000
16	Pearle Vision	0.0%	56	$0	115	$350,000
17	Valero	0.0%	56	$0	76	$872,750
18	Culver's ButterBurgers & Frozen Custard	0.0%	55	$0	383	$1,251,000
19	Ampm Mini Market- Arco	0.0%	54	$0	79	$1,979,000
20	Ameriprise Financial Services	0.0%	52	$0	65	$179,100
21	Toppers Pizza	0.0%	51	$0	76	$336,350
22	H&R Block	0.0%	50	$0	88	$204,400
23	Ameriprise Financial	0.4%	274	$120K	441	$390,000
24	The UPS Store	0.7%	448	$411K	1,642	$261,600
25	Dairy Queen Grill & Chill	0.7%	138	$105K	206	$529,250
26	Chevron	1.1%	179	$1.5M	390	$1,516,500
27	Red Roof Inn	1.1%	178	$705K	435	$2,023,000
28	Plato's Closet	1.2%	83	$18K	173	$235,000
29	Sports Clips	1.2%	165	$210K	177	$180,000
30	Dunkin'	1.3%	311	$3.7M	575	$555,000
31	Domino's Pizza	1.3%	232	$397K	553	$390,000
32	Americas Best Value Inn (f	1.4%	72	$865K	105	$1,080,000
33	Econo Lodge	1.4%	142	$1.0M	369	$1,394,000
34	Zaxby's	1.5%	136	$573K	282	$860,500
35	Primrose School	1.6%	63	$1.2M	78	$1,245,000
36	Orange Theory Fitness	1.6%	312	$1.4M	465	$480,000
37	Camp Bow Wow	1.6%	62	$573K	209	$696,000
38	Pizza Ranch	1.6%	62	$718K	147	$600,000
39	Jersey Mike's	1.7%	181	$986K	211	$292,000
40	Howard Johnson	1.8%	57	$1.5M	96	$1,944,500
41	Hampton Inns	1.8%	112	$1.5M	181	$2,627,000
42	Shell Service Station	1.8%	111	$596K	179	$1,055,000
43	Microtel Inn and Suites	1.9%	53	$934K	71	$1,950,000
44	Two Men and a Truck	1.9%	52	$98K	148	$337,250
45	Home Instead Senior Care	2.0%	153	$839K	175	$256,000
46	Cold Stone Creamery	2.0%	102	$113K	338	$290,000
47	Visiting Angels	2.0%	51	$14K	150	$200,000
48	Comfort	2.0%	196	$5.6M	279	$2,485,000
49	Hand and Stone	2.2%	90	$338K	101	$350,000
50	Great Clips	2.3%	222	$841K	303	$150,000
51	Baymont Inn & Suites	2.6%	77	$999K	103	$1,960,000
52	Super 8	2.6%	189	$3.6M	271	$1,360,000
53	State Farm Insurance	2.7%	73	$172K	122	$153,000
54	The Goddard School	2.8%	215	$2.1M	700	$1,360,100
55	European Wax Center	2.9%	246	$1.6M	359	$360,000
56	Best Western	2.9%	272	$11.0M	778	$2,401,500
57	Elements Therapeutic Massage	2.9%	68	$377K	75	$251,000
58	Quality Inn	3.0%	405	$21.6M	990	$2,186,500
59	Days Inn	3.0%	370	$11.1M	804	$1,755,500
60	Tropical Smoothie	3.0%	134	$654K	153	$230,000
61	Tropical Smoothie Cafe	3.1%	64	$401K	387	$397,000
62	Super 8 Motel	3.2%	95	$2.2M	126	$1,007,000
63	Sonic	3.2%	63	$667K	105	$815,000
64	Country Inns & Suites by Carlson	3.2%	63	$2.7M	86	$2,500,000
65	Motel 6	3.3%	183	$3.5M	548	$2,000,000
66	Once Upon A Child	3.4%	89	$459K	194	$250,000
67	Burger King	3.5%	86	$2.8M	181	$563,000
68	Supercuts	3.5%	197	$676K	264	$150,000
69	Super 8 by Wyndhan	3.7%	54	$2.3M	425	$1,794,000
70	Allstate Insurance	3.7%	215	$945K	258	$223,500
71	Choice Hotels International Inc.	3.8%	132	$6.3M	172	$1,369,550
72	Smoothie King	3.9%	182	$1.4M	443	$310,000
73	Napa Auto Parts	3.9%	78	$596K	122	$321,000
74	Maaco Auto Painting & Bodyworks	3.9%	51	$332K	75	$332,000
75	Sleep Inn	4.0%	76	$2.8M	221	$2,657,700
76	Right at Home	4.0%	76	$2.3M	166	$250,000
77	Pure Barre	4.1%	73	$955K	204	$214,100
78	Kiddie Academy	4.1%	170	$2.0M	509	$890,000
79	Holiday Inn	4.2%	144	$13.3M	314	$3,092,000
80	Travelodge	4.2%	71	$4.7M	97	$1,320,000
81	Dairy Queen	4.3%	184	$2.9M	286	$340,000
82	Servpro	4.4%	321	$4.3M	654	$270,000
83	Dairy Queen Frozen Treat Center	4.4%	68	$592K	93	$250,000
84	Papa Murphy's Take & Bake Pizza	4.5%	66	$250K	79	$196,000
85	La Quinta Inn	4.6%	109	$5.6M	174	$2,473,000
86	Big O Tires	4.6%	65	$708K	178	$584,500
87	ServiceMaster	4.7%	64	$220K	205	$356,000
88	Play It Again Sports	4.7%	64	$833K	161	$250,000
89	Jet's Pizza	4.9%	82	$934K	151	$317,300
90	Comfort Inn	4.9%	102	$7.5M	395	$2,800,000
91	Knights Inn	5.3%	57	$1.0M	101	$1,100,000
92	Arby's	5.5%	55	$1.1M	110	$469,000
93	Ace Hardware	6.0%	302	$4.1M	808	$546,850
94	Little Caesars	6.1%	361	$5.4M	566	$292,500
95	True Value Hardware	6.1%	82	$1.4M	111	$375,000
96	Budget Blinds	6.5%	108	$743K	355	$150,000
97	Baskin-Robbins	6.8%	59	$608K	154	$202,500
98	Jimmy John's	6.8%	586	$11.4M	884	$391,000
99	Marco's Pizza	7.2%	222	$3.2M	484	$348,850
100	Subway	7.3%	1,259	$14.3M	1,995	$189,500
101	The Learning Experience	7.4%	108	$2.2M	377	$463,700
102	Fastsigns	7.6%	145	$1.6M	361	$245,000
103	Fedex Ground	7.7%	194	$4.4M	224	$150,000
104	Yogurtland	8.2%	61	$1.6M	81	$350,000
105	HealthSource Chiropractic	8.2%	73	$896K	122	$162,500
106	Firehouse Subs	8.3%	362	$5.6M	617	$288,000
107	Sport Clips	8.3%	325	$3.9M	463	$229,600
108	Retro Fitness	8.8%	57	$3.7M	79	$915,000
109	Golden Corral	9.0%	89	$10.0M	188	$1,361,500
110	Papa Murphy's	9.0%	111	$1.7M	133	$238,000
111	Midas	9.1%	55	$1.5M	189	$363,000
112	CycleBar	9.7%	72	$1.6M	144	$494,500
113	Liberty Tax Service	9.8%	123	$2.0M	177	$100,000
114	Skyzone	10.1%	69	$6.4M	82	$1,295,000
115	Massage Envy	10.3%	300	$10.8M	393	$413,100
116	Paul Davis Restoration	10.3%	58	$1.3M	174	$397,500
117	Snap Fitness	11.0%	154	$1.9M	243	$150,000
118	Rita's Ice-Custard-Happiness	11.9%	67	$1.1M	175	$250,000
119	CertaPro Painters	12.0%	50	$443K	147	$240,000
120	Anytime Fitness	12.2%	621	$21.7M	1,135	$333,600
121	Moe's Southwest Grill	12.3%	57	$1.9M	96	$355,000
122	Mellow Mushroom	13.0%	92	$8.9M	138	$1,067,500
123	Edible Arrangements	13.6%	191	$3.2M	302	$189,250
124	Amazing Lash Studio	13.8%	116	$3.3M	200	$369,900
125	Papa John's Pizza	14.6%	96	$2.3M	116	$219,400
126	Fitness Together	15.1%	53	$1.2M	75	$100,000
127	Minuteman Press	16.1%	87	$1.7M	207	$150,000
128	Dickey's Barbeque	17.3%	52	$752K	55	$135,000
129	Menchie's	17.6%	187	$6.4M	267	$298,400
130	Great Harvest Bread Co.	17.6%	68	$1.5M	99	$215,000
131	Massage Heights	18.5%	65	$3.5M	109	$387,000
132	Title Boxing Club	18.8%	69	$3.1M	99	$219,800
133	Code Ninjas	19.1%	63	$1.9M	150	$212,000
134	F45 Training	19.4%	72	$2.2M	277	$260,000
135	Pita Pit	19.8%	81	$2.7M	104	$230,500
136	Zoup!	21.1%	71	$2.7M	91	$349,100
137	Aamco Transmissions	21.9%	82	$2.3M	108	$190,000
138	9round	23.5%	51	$1.1M	62	$77,000
139	Bahama Buck's	24.1%	58	$2.9M	71	$303,000
140	Which Wich	25.7%	113	$6.0M	154	$280,250
141	Meineke	26.7%	86	$4.2M	119	$258,500
142	Fantastic Sams	28.6%	105	$4.7M	145	$175,600
143	Complete Nutrition	29.6%	54	$5.3M	60	$159,500
144	iLoveKickboxing.com	30.2%	96	$5.1M	119	$211,000
145	Dickey's Barbecue Pit	33.8%	160	$12.2M	271	$304,200
146	Tutor Doctor	36.2%	58	$1.9M	83	$100,000
147	The Grounds Guys	37.9%	58	$2.2M	252	$150,000
148	Orange Leaf Frozen Yogurt	38.2%	55	$2.6M	63	$157,500
149	Burgerim	38.5%	65	$6.5M	125	$296,000
150	Signarama	39.2%	74	$7.0M	159	$150,000
151	Window Genie	58.0%	50	$3.2M	122	$150,000
152	Experimac	69.5%	59	$5.1M	66	$150,000

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. “Charged off” is the gross charge-off amount on the resolved loans; “All loans” and median loan cover FY2010 onward. Methodology.

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