Franchise Failure Rates

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

Ampm Mini Market- Arco Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)

0.0%
charge-off rate on 51 SBA 7(a) loans to Ampm Mini Market- Arco franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Ampm Mini Market- Arco against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Ampm Mini Market- Arco 0.0%; Gasoline Stations with Convenience Stores 3.9%; All franchises 10.2%Ampm Mini Market- Arco 0.0%; Gasoline Stations with Convenience Stores 3.9%; All franchises 10.2%0%2%4%6%8%10%Ampm Mini Market- Arco0.0%Gasoline Stations withConvenience Stores3.9%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Ampm Mini Market- Arco 0.0%; Gasoline Stations with Convenience Stores 3.9%; All franchises 10.2%Ampm Mini Market- Arco 0.0%; Gasoline Stations with Convenience Stores 3.9%; All franchises 10.2%0%2%4%6%8%10%Ampm Mini Market- Arco0.0%Gasoline Stations with Convenience Stores3.9%All franchises10.2%

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

None of the 51 Ampm Mini Market- Arco SBA borrowers in the sample failed to repay — well below the Gasoline Stations with Convenience Stores average of 3.9%.

Between 2010 and 2019, 51 Ampm Mini Market- Arco franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Gasoline Stations with Convenience Stores average of 3.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Ampm Mini Market- Arco franchise failure rate on SBA loans?

Ampm Mini Market- Arco is a Gasoline Stations with Convenience Stores franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Ampm Mini Market- Arco franchisees: 51 loans approved between fiscal 2010 and 2019, of which 0 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 Ampm Mini Market- Arco compare with other Gasoline Stations with Convenience Stores franchises?

The table sets Ampm Mini Market- Arco's charge-off rate beside its Gasoline Stations with Convenience Stores 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.

Ampm Mini Market- Arco versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureAmpm Mini Market- ArcoGasoline Stations with Convenience StoresAll franchisesAll SBA borrowers
Default (charge-off) rate0.0%3.9%10.2%8.0%
Loans in sample51———
Defaults0———
Average loan size$2,130,010———
Charge-off rate by approval year — share of each fiscal year's Ampm Mini Market- Arco 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: FY2013 0% of 2 loans; FY2014 0% of 9 loans; FY2015 0% of 15 loans; FY2016 0% of 15 loans; FY2017 0% of 10 loansCharge-off rate by approval year: FY2013 0% of 2 loans; FY2014 0% of 9 loans; FY2015 0% of 15 loans; FY2016 0% of 15 loans; FY2017 0% of 10 loans0%5%10%0%2013n=20%2014n=90%2015n=150%2016n=150%2017n=10
Charge-off rate by approval year: FY2013 0% of 2 loans; FY2014 0% of 9 loans; FY2015 0% of 15 loans; FY2016 0% of 15 loans; FY2017 0% of 10 loansCharge-off rate by approval year: FY2013 0% of 2 loans; FY2014 0% of 9 loans; FY2015 0% of 15 loans; FY2016 0% of 15 loans; FY2017 0% of 10 loans0%5%10%0%’13n=20%’14n=90%’15n=150%’16n=150%’17n=10

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2013200.0%
FY2014900.0%
FY20151500.0%
FY20161500.0%
FY20171000.0%

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?

Ampm Mini Market- Arco's figure rests on 51 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 51 resolved loans, one default moves the rate by about 2.0 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 Ampm Mini Market- Arco figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 51 resolved loans — directional, not precise.

Frequently asked

What is Ampm Mini Market- Arco's franchise failure rate on SBA loans?
Between 2010 and 2019, 51 Ampm Mini Market- Arco franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Gasoline Stations with Convenience Stores average of 3.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Ampm Mini Market- Arco a safe franchise investment?
Between 2010–2019, Ampm Mini Market- Arco franchisees defaulted on SBA loans at 0.0% versus a 3.9% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Ampm Mini Market- Arco franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 51 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/ampm-mini-market-arco/ · Data & methodology · Download the dataset (CSV)