Which franchises see SBA loans default the fastest?

For loans that charged off, we measure months from approval to the charge-off date and take the brand median, across the FY1991–present SBA 7(a)/504 FOIA files. Brands need at least 30 resolved loans and at least 10 charge-offs; a median of fewer defaults is noise. The median says nothing about the loans that were repaid — read it beside the brand's loss ratio. Non-franchise SBA codes (fuel contracts, agencies) are excluded.

Universe: every franchise brand matched in the U.S. Small Business Administration's 7(a) and 504 loan FOIA files, fiscal 1991 to present, excluding SBA franchise codes that are not franchises a buyer can purchase (fuel supply contracts, insurance agencies, vehicle dealerships, direct selling) (data.sba.gov). This is federal public-record data about loans to franchisees — independent of anything the franchisor discloses. Brand links lead to the full sourced profile where one exists. See the site methodology for name-matching and cohort rules.