Search default rates, loan counts, and average loan sizes for 2,465 franchise brands- sourced directly from SBA 7(a) government data.
57,000+ SBA loans across 2,465 matched franchise brands · 2010–2026 · National avg default rate ~8%
Showing top 100 by loan count. Use search to find any of the 2,465 matched brands.
SBA 7(a) loan data 2010–2026. Default rate = loans charged off ÷ total approved. Only 2,465 of 5,461 SBA franchise brands matched to FDD corpus.
The Problem
Franchise Disclosure Documents are written by franchisors and their attorneys. Item 19 - the financial performance section - is optional. When disclosed, there's no independent verification. SBA default data doesn't lie.
Half of all franchisors choose not to disclose any financial performance data. You're asked to invest $200K+ with zero earnings information.
When Item 19 is disclosed, franchisors choose what to include. They can cherry-pick top performers and exclude closed units.
The U.S. Small Business Administration records every 7(a) loan outcome. Default rates reflect actual borrower results - no cherry-picking possible.
How We Use This
FranchiseIQ doesn't just extract your FDD. We interrogate it. Every report includes a dedicated SBA Intelligence section that surfaces what the franchisor's document conveniently omits.
"Item 19 shows average gross sales of $850,000 per unit."
But 12.3% of SBA borrowers in this system defaulted - 1.5× the national average. Actual cash flow may not support debt service.
"Franchisor omits Item 19 entirely - no financial performance data disclosed."
SBA data shows 187 loans approved since 2015, with a 9.6% default rate. Above the 8% national average - warrants Item 20 franchisee interviews.
"FDD reports strong unit growth, 98% renewal rate."
SBA data corroborates: 1.8% default rate on 892 loans since 2018. Consistent with strong unit economics. Data aligned.
Every FranchiseIQ report includes the full SBA Intelligence section. Upload your FDD and see what the data reveals.