Franchise Failure Rates

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

AAMCO Transmissions Franchise Failure Rate: 23.7% SBA Loan Defaults (2010–2019 Federal Data)

23.7%
charge-off rate on 76 SBA 7(a) loans to AAMCO Transmissions franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — AAMCO Transmissions against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: AAMCO Transmissions 23.7%; Automotive Transmission Repair 14.6%; All franchises 10.2%AAMCO Transmissions 23.7%; Automotive Transmission Repair 14.6%; All franchises 10.2%0%5%10%15%20%25%AAMCO Transmissions23.7%Automotive TransmissionRepair14.6%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: AAMCO Transmissions 23.7%; Automotive Transmission Repair 14.6%; All franchises 10.2%AAMCO Transmissions 23.7%; Automotive Transmission Repair 14.6%; All franchises 10.2%0%5%10%15%20%25%AAMCO Transmissions23.7%Automotive Transmission Repair14.6%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 4 AAMCO Transmissions SBA borrowers failed to repay — well above the Automotive Transmission Repair average of 14.6%.

Between 2010 and 2019, 76 AAMCO Transmissions franchisees financed with SBA 7(a) loans. 18 defaulted — a 23.7% charge-off rate, 1.6x the Automotive Transmission Repair average of 14.6%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the AAMCO Transmissions franchise failure rate on SBA loans?

AAMCO Transmissions is a Automotive Transmission Repair franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to AAMCO Transmissions franchisees: 76 loans approved between fiscal 2010 and 2019, of which 18 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 AAMCO Transmissions compare with other Automotive Transmission Repair franchises?

The table sets AAMCO Transmissions's charge-off rate beside its Automotive Transmission Repair 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.

AAMCO Transmissions versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureAAMCO TransmissionsAutomotive Transmission RepairAll franchisesAll SBA borrowers
Default (charge-off) rate23.7%14.6%10.2%8.0%
Loans in sample76———
Defaults18———
Average loan size$263,530———
Charge-off rate by approval year — share of each fiscal year's AAMCO Transmissions 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: FY2010 33% of 12 loans; FY2011 12% of 8 loans; FY2012 0% of 13 loans; FY2013 33% of 3 loans; FY2014 11% of 9 loans; FY2015 29% of 7 loans; FY2016 36% of 11 loans; FY2017 50% of 8 loans; FY2018 20% of 5 loansCharge-off rate by approval year: FY2010 33% of 12 loans; FY2011 12% of 8 loans; FY2012 0% of 13 loans; FY2013 33% of 3 loans; FY2014 11% of 9 loans; FY2015 29% of 7 loans; FY2016 36% of 11 loans; FY2017 50% of 8 loans; FY2018 20% of 5 loans0%20%40%33%2010n=1212%2011n=80%2012n=1333%2013n=311%2014n=929%2015n=736%2016n=1150%2017n=820%2018n=5
Charge-off rate by approval year: FY2010 33% of 12 loans; FY2011 12% of 8 loans; FY2012 0% of 13 loans; FY2013 33% of 3 loans; FY2014 11% of 9 loans; FY2015 29% of 7 loans; FY2016 36% of 11 loans; FY2017 50% of 8 loans; FY2018 20% of 5 loansCharge-off rate by approval year: FY2010 33% of 12 loans; FY2011 12% of 8 loans; FY2012 0% of 13 loans; FY2013 33% of 3 loans; FY2014 11% of 9 loans; FY2015 29% of 7 loans; FY2016 36% of 11 loans; FY2017 50% of 8 loans; FY2018 20% of 5 loans0%20%40%33%’10n=1212%’11n=80%’12n=1333%’13n=311%’14n=929%’15n=736%’16n=1150%’17n=820%’18n=5

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY201012433.3%
FY20118112.5%
FY20121300.0%
FY20133133.3%
FY20149111.1%
FY20157228.6%
FY201611436.4%
FY20178450.0%
FY20185120.0%

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?

AAMCO Transmissions's figure rests on 76 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 76 resolved loans, one default moves the rate by about 1.3 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 AAMCO Transmissions figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 76 resolved loans — directional, not precise.

Frequently asked

What is AAMCO Transmissions's franchise failure rate on SBA loans?
Between 2010 and 2019, 76 AAMCO Transmissions franchisees financed with SBA 7(a) loans. 18 defaulted — a 23.7% charge-off rate, 1.6x the Automotive Transmission Repair average of 14.6%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is AAMCO Transmissions a safe franchise investment?
Between 2010–2019, AAMCO Transmissions franchisees defaulted on SBA loans at 23.7% versus a 14.6% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). AAMCO Transmissions franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 23.7% (18 of 76 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/aamco-transmissions/ · Data & methodology · Download the dataset (CSV)