Franchise Failure Rates

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

Aqua-tots Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)

0.0%
charge-off rate on 21 SBA 7(a) loans to Aqua-tots franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Aqua-tots against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Aqua-tots 0.0%; Sports and Recreation Instruction 7.5%; All franchises 10.2%Aqua-tots 0.0%; Sports and Recreation Instruction 7.5%; All franchises 10.2%0%2%4%6%8%10%Aqua-tots0.0%Sports and RecreationInstruction7.5%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Aqua-tots 0.0%; Sports and Recreation Instruction 7.5%; All franchises 10.2%Aqua-tots 0.0%; Sports and Recreation Instruction 7.5%; All franchises 10.2%0%2%4%6%8%10%Aqua-tots0.0%Sports and Recreation Instruction7.5%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 21 Aqua-tots SBA borrowers in the sample failed to repay — well below the Sports and Recreation Instruction average of 7.5%.

Between 2010 and 2019, 21 Aqua-tots franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Sports and Recreation Instruction average of 7.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Aqua-tots franchise failure rate on SBA loans?

Aqua-tots is a Sports and Recreation Instruction franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Aqua-tots franchisees: 21 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 Aqua-tots compare with other Sports and Recreation Instruction franchises?

The table sets Aqua-tots's charge-off rate beside its Sports and Recreation Instruction 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.

Aqua-tots versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureAqua-totsSports and Recreation InstructionAll franchisesAll SBA borrowers
Default (charge-off) rate0.0%7.5%10.2%8.0%
Loans in sample21———
Defaults0———
Average loan size$536,671———
Charge-off rate by approval year — share of each fiscal year's Aqua-tots 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 7 loans; FY2015 0% of 5 loans; FY2016 0% of 2 loans; FY2017 0% of 4 loans; FY2018 0% of 1 loansCharge-off rate by approval year: FY2013 0% of 2 loans; FY2014 0% of 7 loans; FY2015 0% of 5 loans; FY2016 0% of 2 loans; FY2017 0% of 4 loans; FY2018 0% of 1 loans0%5%10%0%2013n=20%2014n=70%2015n=50%2016n=20%2017n=40%2018n=1
Charge-off rate by approval year: FY2013 0% of 2 loans; FY2014 0% of 7 loans; FY2015 0% of 5 loans; FY2016 0% of 2 loans; FY2017 0% of 4 loans; FY2018 0% of 1 loansCharge-off rate by approval year: FY2013 0% of 2 loans; FY2014 0% of 7 loans; FY2015 0% of 5 loans; FY2016 0% of 2 loans; FY2017 0% of 4 loans; FY2018 0% of 1 loans0%5%10%0%’13n=20%’14n=70%’15n=50%’16n=20%’17n=40%’18n=1

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2013200.0%
FY2014700.0%
FY2015500.0%
FY2016200.0%
FY2017400.0%
FY2018100.0%

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?

Aqua-tots's figure rests on 21 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 21 resolved loans, one default moves the rate by about 4.8 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 Aqua-tots figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 21 resolved loans — directional, not precise.

Frequently asked

What is Aqua-tots's franchise failure rate on SBA loans?
Between 2010 and 2019, 21 Aqua-tots franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Sports and Recreation Instruction average of 7.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Aqua-tots a safe franchise investment?
Between 2010–2019, Aqua-tots franchisees defaulted on SBA loans at 0.0% versus a 7.5% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Aqua-tots franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 21 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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