Franchise intelligence
Success measured the way a lender measures it: brands with 100+ SBA loans since 2020 whose FY2020–23 loans almost never failed. High volume plus near-zero charge-offs is the strongest signal a franchise model actually works. See the other end of the table →
| Industry | Failure rate | Recent loans |
|---|---|---|
| Healthcare | 1.42% | 2,719 |
| Manufacturing | 1.62% | 1,437 |
| Finance & insurance | 1.85% | 449 |
| Restaurants & hospitality | 2.1% | 3,589 |
| Repair & personal services | 2.36% | 2,744 |
| Real estate services | 2.49% | 560 |
| Media & software | 2.52% | 242 |
| Retail | 2.61% | 2,931 |
| Recreation & fitness | 2.68% | 1,198 |
| Professional services | 2.84% | 2,675 |
Survival with scale. Each brand here has 100+ SBA loans funded since 2020, and the lowest share of FY2020–23 loans charged off. A brand that borrows constantly and almost never defaults is doing something right.
A brand with 30 loans and zero failures might be lucky. A brand with 400 loans and zero failures has a system. The 100-loan floor keeps small-sample flukes off the list.
Usually. Lenders track brand performance the same way this page does — a clean cohort record means faster approvals and better terms, because the bank has seen the model work repeatedly.
DealRoom analysis of public SBA lending records. Failure = charge-off rate on the FY2020–23 loan cohort.
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