SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Ameriprise Financial Franchise Failure Rate: 0.4% SBA Loan Defaults (2010–2019 Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 250 Ameriprise Financial SBA borrowers failed to repay — well below the Investment Advice average of 1.9%.
Between 2010 and 2019, 268 Ameriprise Financial franchisees financed with SBA 7(a) loans. 1 defaulted — a 0.4% charge-off rate, 0.2x the Investment Advice average of 1.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Ameriprise Financial franchise failure rate on SBA loans?
Ameriprise Financial is a Investment Advice franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Ameriprise Financial franchisees: 268 loans approved between fiscal 2010 and 2019, of which 1 was charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY2019268
- Charged off1
- Charge-off rate0.4%
- Investment Advice franchise benchmark1.9%
- Brand vs industry0.2x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$605,141
- New SBA loans since 202098
- Early charge-offs since 20200
How does Ameriprise Financial compare with other Investment Advice franchises?
The table sets Ameriprise Financial's charge-off rate beside its Investment Advice 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.
| Measure | Ameriprise Financial | Investment Advice | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.4% | 1.9% | 10.2% | 8.0% |
| Loans in sample | 268 | — | — | — |
| Defaults | 1 | — | — | — |
| Average loan size | $605,141 | — | — | — |
What has Ameriprise Financial SBA lending looked like since 2020?
Since 2020, Ameriprise Financial franchisees have taken 98 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.
Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2013 | 5 | 0 | 0.0% |
| FY2014 | 37 | 0 | 0.0% |
| FY2015 | 66 | 0 | 0.0% |
| FY2016 | 68 | 0 | 0.0% |
| FY2017 | 40 | 0 | 0.0% |
| FY2018 | 35 | 1 | 2.9% |
| FY2019 | 17 | 0 | 0.0% |
| FY2020 | 41 | — | outstanding |
| FY2021 | 31 | — | outstanding |
| FY2022 | 9 | — | outstanding |
| FY2023 | 10 | — | outstanding |
| FY2024 | 1 | — | outstanding |
| FY2025 | 5 | — | outstanding |
| FY2026 | 1 | — | outstanding |
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?
Ameriprise Financial's figure rests on 268 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 268 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Ameriprise Financial figure is recomputed from the public SBA FOIA file on each rebuild.
Frequently asked
- What is Ameriprise Financial's franchise failure rate on SBA loans?
- Between 2010 and 2019, 268 Ameriprise Financial franchisees financed with SBA 7(a) loans. 1 defaulted — a 0.4% charge-off rate, 0.2x the Investment Advice average of 1.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Ameriprise Financial a safe franchise investment?
- Between 2010–2019, Ameriprise Financial franchisees defaulted on SBA loans at 0.4% versus a 1.9% industry average. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Ameriprise Financial franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.4% (1 of 268 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/ameriprise-financial/ · Data & methodology · Download the dataset (CSV)