Franchise Failure Rates

SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026

18/8 Fine Men's Salons Franchise Failure Rate: 15.0% SBA Loan Defaults (2010–2019 Federal Data)

15.0%
charge-off rate on 40 SBA 7(a) loans to 18/8 Fine Men's Salons franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — 18/8 Fine Men's Salons against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: 18/8 Fine Men's Salons 15.0%; Beauty Salons 8.6%; All franchises 10.2%18/8 Fine Men's Salons 15.0%; Beauty Salons 8.6%; All franchises 10.2%0%5%10%15%18/8 Fine Men's Salons15.0%Beauty Salons8.6%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: 18/8 Fine Men's Salons 15.0%; Beauty Salons 8.6%; All franchises 10.2%18/8 Fine Men's Salons 15.0%; Beauty Salons 8.6%; All franchises 10.2%0%5%10%15%18/8 Fine Men's Salons15.0%Beauty Salons8.6%All franchises10.2%

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.

About 1 in 7 18/8 Fine Men's Salons SBA borrowers failed to repay — well above the Beauty Salons average of 8.6%.

Between 2010 and 2019, 40 18/8 Fine Men's Salons franchisees financed with SBA 7(a) loans. 6 defaulted — a 15.0% charge-off rate, 1.7x the Beauty Salons average of 8.6%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the 18/8 Fine Men's Salons franchise failure rate on SBA loans?

18/8 Fine Men's Salons is a Beauty Salons franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to 18/8 Fine Men's Salons franchisees: 40 loans approved between fiscal 2010 and 2019, of which 6 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.

How does 18/8 Fine Men's Salons compare with other Beauty Salons franchises?

The table sets 18/8 Fine Men's Salons's charge-off rate beside its Beauty Salons peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.

18/8 Fine Men's Salons versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
Measure18/8 Fine Men's SalonsBeauty SalonsAll franchisesAll SBA borrowers
Default (charge-off) rate15.0%8.6%10.2%8.0%
Loans in sample40———
Defaults6———
Average loan size$253,452———
Charge-off rate by approval year — share of each fiscal year's 18/8 Fine Men's Salons SBA 7(a) loans that later defaulted (FY2010–FY2019); years with fewer than 10 loans are outlined, not filled
Charge-off rate by approval year: FY2014 0% of 8 loans; FY2015 18% of 17 loans; FY2016 0% of 6 loans; FY2017 43% of 7 loans; FY2018 0% of 2 loansCharge-off rate by approval year: FY2014 0% of 8 loans; FY2015 18% of 17 loans; FY2016 0% of 6 loans; FY2017 43% of 7 loans; FY2018 0% of 2 loans0%10%20%0%2014n=818%2015n=170%2016n=643%2017n=70%2018n=2
Charge-off rate by approval year: FY2014 0% of 8 loans; FY2015 18% of 17 loans; FY2016 0% of 6 loans; FY2017 43% of 7 loans; FY2018 0% of 2 loansCharge-off rate by approval year: FY2014 0% of 8 loans; FY2015 18% of 17 loans; FY2016 0% of 6 loans; FY2017 43% of 7 loans; FY2018 0% of 2 loans0%10%20%0%’14n=818%’15n=170%’16n=643%’17n=70%’18n=2

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2014800.0%
FY201517317.6%
FY2016600.0%
FY20177342.9%
FY2018200.0%

How to read this

A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.

How reliable is this number?

18/8 Fine Men's Salons's figure rests on 40 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the rate is a settled outcome, not a projection. With 40 resolved loans, one default moves the rate by about 2.5 percentage points. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every 18/8 Fine Men's Salons figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 40 resolved loans — directional, not precise.

Frequently asked

What is 18/8 Fine Men's Salons's franchise failure rate on SBA loans?
Between 2010 and 2019, 40 18/8 Fine Men's Salons franchisees financed with SBA 7(a) loans. 6 defaulted — a 15.0% charge-off rate, 1.7x the Beauty Salons average of 8.6%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is 18/8 Fine Men's Salons a safe franchise investment?
Between 2010–2019, 18/8 Fine Men's Salons franchisees defaulted on SBA loans at 15.0% versus a 8.6% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). 18/8 Fine Men's Salons franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 15.0% (6 of 40 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/18-8-fine-mens-salons/ · Data & methodology · Download the dataset (CSV)