Franchise Failure Rates

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

Arcpoint Franchise Failure Rate: 15.6% SBA Loan Defaults (2010–2019 Federal Data)

15.6%
charge-off rate on 32 SBA 7(a) loans to Arcpoint franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Arcpoint against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Arcpoint 15.6%; Medical Laboratories 7.5%; All franchises 10.2%Arcpoint 15.6%; Medical Laboratories 7.5%; All franchises 10.2%0%5%10%15%Arcpoint15.6%Medical Laboratories7.5%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Arcpoint 15.6%; Medical Laboratories 7.5%; All franchises 10.2%Arcpoint 15.6%; Medical Laboratories 7.5%; All franchises 10.2%0%5%10%15%Arcpoint15.6%Medical Laboratories7.5%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 6 Arcpoint SBA borrowers failed to repay — more than double the Medical Laboratories average of 7.5%.

Between 2010 and 2019, 32 Arcpoint franchisees financed with SBA 7(a) loans. 5 defaulted — a 15.6% charge-off rate, 2.1x the Medical Laboratories average of 7.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Arcpoint franchise failure rate on SBA loans?

Arcpoint is a Medical Laboratories franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Arcpoint franchisees: 32 loans approved between fiscal 2010 and 2019, of which 5 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 Arcpoint compare with other Medical Laboratories franchises?

The table sets Arcpoint's charge-off rate beside its Medical Laboratories 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. A cell in red is more than twice the industry benchmark.

Arcpoint versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureArcpointMedical LaboratoriesAll franchisesAll SBA borrowers
Default (charge-off) rate15.6%7.5%10.2%8.0%
Loans in sample32———
Defaults5———
Average loan size$157,194———
Charge-off rate by approval year — share of each fiscal year's Arcpoint 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 50% of 2 loans; FY2014 0% of 5 loans; FY2015 14% of 7 loans; FY2016 27% of 11 loans; FY2017 0% of 7 loansCharge-off rate by approval year: FY2013 50% of 2 loans; FY2014 0% of 5 loans; FY2015 14% of 7 loans; FY2016 27% of 11 loans; FY2017 0% of 7 loans0%15%30%50%2013n=20%2014n=514%2015n=727%2016n=110%2017n=7
Charge-off rate by approval year: FY2013 50% of 2 loans; FY2014 0% of 5 loans; FY2015 14% of 7 loans; FY2016 27% of 11 loans; FY2017 0% of 7 loansCharge-off rate by approval year: FY2013 50% of 2 loans; FY2014 0% of 5 loans; FY2015 14% of 7 loans; FY2016 27% of 11 loans; FY2017 0% of 7 loans0%15%30%50%’13n=20%’14n=514%’15n=727%’16n=110%’17n=7

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY20132150.0%
FY2014500.0%
FY20157114.3%
FY201611327.3%
FY2017700.0%

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?

Arcpoint's figure rests on 32 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 32 resolved loans, one default moves the rate by about 3.1 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 Arcpoint figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 32 resolved loans — directional, not precise.

Frequently asked

What is Arcpoint's franchise failure rate on SBA loans?
Between 2010 and 2019, 32 Arcpoint franchisees financed with SBA 7(a) loans. 5 defaulted — a 15.6% charge-off rate, 2.1x the Medical Laboratories average of 7.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Arcpoint a safe franchise investment?
Between 2010–2019, Arcpoint franchisees defaulted on SBA loans at 15.6% 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). Arcpoint franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 15.6% (5 of 32 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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