Franchise Failure Rates

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

Baja Fresh Mexican Grill Franchise Failure Rate: 27.3% SBA Loan Defaults (2010–2019 Federal Data)

27.3%
charge-off rate on 22 SBA 7(a) loans to Baja Fresh Mexican Grill franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Baja Fresh Mexican Grill against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Baja Fresh Mexican Grill 27.3%; Limited-Service Restaurants 10.3%; All franchises 10.2%Baja Fresh Mexican Grill 27.3%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%10%20%30%Baja Fresh Mexican Grill27.3%Limited-ServiceRestaurants10.3%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Baja Fresh Mexican Grill 27.3%; Limited-Service Restaurants 10.3%; All franchises 10.2%Baja Fresh Mexican Grill 27.3%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%10%20%30%Baja Fresh Mexican Grill27.3%Limited-Service Restaurants10.3%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 4 Baja Fresh Mexican Grill SBA borrowers failed to repay — more than double the Limited-Service Restaurants average of 10.3%.

Between 2010 and 2019, 22 Baja Fresh Mexican Grill franchisees financed with SBA 7(a) loans. 6 defaulted — a 27.3% charge-off rate, 2.6x the Limited-Service Restaurants average of 10.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Baja Fresh Mexican Grill franchise failure rate on SBA loans?

Baja Fresh Mexican Grill is a Limited-Service Restaurants franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Baja Fresh Mexican Grill franchisees: 22 loans approved between fiscal 2010 and 2019, of which 6 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 Baja Fresh Mexican Grill compare with other Limited-Service Restaurants franchises?

The table sets Baja Fresh Mexican Grill's charge-off rate beside its Limited-Service Restaurants 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.

Baja Fresh Mexican Grill versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureBaja Fresh Mexican GrillLimited-Service RestaurantsAll franchisesAll SBA borrowers
Default (charge-off) rate27.3%10.3%10.2%8.0%
Loans in sample22———
Defaults6———
Average loan size$401,123———
Charge-off rate by approval year — share of each fiscal year's Baja Fresh Mexican Grill 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: FY2010 33% of 12 loans; FY2011 17% of 6 loans; FY2012 0% of 2 loans; FY2013 50% of 2 loansCharge-off rate by approval year: FY2010 33% of 12 loans; FY2011 17% of 6 loans; FY2012 0% of 2 loans; FY2013 50% of 2 loans0%20%40%33%2010n=1217%2011n=60%2012n=250%2013n=2
Charge-off rate by approval year: FY2010 33% of 12 loans; FY2011 17% of 6 loans; FY2012 0% of 2 loans; FY2013 50% of 2 loansCharge-off rate by approval year: FY2010 33% of 12 loans; FY2011 17% of 6 loans; FY2012 0% of 2 loans; FY2013 50% of 2 loans0%20%40%33%’10n=1217%’11n=60%’12n=250%’13n=2

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY201012433.3%
FY20116116.7%
FY2012200.0%
FY20132150.0%

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?

Baja Fresh Mexican Grill's figure rests on 22 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 22 resolved loans, one default moves the rate by about 4.5 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 Baja Fresh Mexican Grill figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 22 resolved loans — directional, not precise.

Frequently asked

What is Baja Fresh Mexican Grill's franchise failure rate on SBA loans?
Between 2010 and 2019, 22 Baja Fresh Mexican Grill franchisees financed with SBA 7(a) loans. 6 defaulted — a 27.3% charge-off rate, 2.6x the Limited-Service Restaurants average of 10.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Baja Fresh Mexican Grill a safe franchise investment?
Between 2010–2019, Baja Fresh Mexican Grill franchisees defaulted on SBA loans at 27.3% versus a 10.3% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Baja Fresh Mexican Grill franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 27.3% (6 of 22 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/baja-fresh-mexican-grill/ · Data & methodology · Download the dataset (CSV)