SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Arco Franchise Failure Rate on SBA Loans: 0 of 17 Charged Off (Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
None of the 17 Arco SBA borrowers in the sample failed to repay — but 17 loans is too few to call a rate.
0 of 17 SBA 7(a) loans to Arco franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Arco franchise failure rate on SBA loans?
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 Arco franchisees: 17 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.
- SBA 7(a) loans approved FY2010–FY201917
- Charged off0
- Charge-off rate (small sample)0.0%
- Gasoline Stations with Convenience Stores franchise benchmark3.9%
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$2,187,271
How does Arco compare with other Gasoline Stations with Convenience Stores franchises?
The table sets 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.
| Measure | Arco | Gasoline Stations with Convenience Stores | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.0% (small sample) | 3.9% | 10.2% | 8.0% |
| Loans in sample | 17 | — | — | — |
| Defaults | 0 | — | — | — |
| Average loan size | $2,187,271 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2011 | 2 | 0 | 0.0% |
| FY2012 | 10 | 0 | 0.0% |
| FY2013 | 5 | 0 | 0.0% |
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?
Arco's figure rests on 17 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the count is a settled outcome, not a projection. With 17 resolved loans, one default moves the rate by about 5.9 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 Arco figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (17 loans). A single default moves this figure substantially.
Frequently asked
- What is Arco's franchise failure rate on SBA loans?
- 0 of 17 SBA 7(a) loans to Arco franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Arco a safe franchise investment?
- Between 2010–2019, 0 of 17 SBA loans to Arco franchisees were charged off. The sample is small. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Arco franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 0 of 17 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/arco/ · Data & methodology · Download the dataset (CSV)