Franchise Failure Rates

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

Complete Nutrition Franchise Failure Rate: 29.6% SBA Loan Defaults (2010–2019 Federal Data)

29.6%
charge-off rate on 54 SBA 7(a) loans to Complete Nutrition franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Complete Nutrition against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Complete Nutrition 29.6%; Food (Health) Supplement Stores 13.0%; All franchises 10.2%Complete Nutrition 29.6%; Food (Health) Supplement Stores 13.0%; All franchises 10.2%0%10%20%30%Complete Nutrition29.6%Food (Health) SupplementStores13.0%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Complete Nutrition 29.6%; Food (Health) Supplement Stores 13.0%; All franchises 10.2%Complete Nutrition 29.6%; Food (Health) Supplement Stores 13.0%; All franchises 10.2%0%10%20%30%Complete Nutrition29.6%Food (Health) Supplement Stores13.0%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 3 Complete Nutrition SBA borrowers failed to repay — more than double the Food (Health) Supplement Stores average of 13.0%.

Between 2010 and 2019, 54 Complete Nutrition franchisees financed with SBA 7(a) loans. 16 defaulted — a 29.6% charge-off rate, 2.3x the Food (Health) Supplement Stores average of 13.0%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Complete Nutrition franchise failure rate on SBA loans?

Complete Nutrition is a Food (Health) Supplement 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 Complete Nutrition franchisees: 54 loans approved between fiscal 2010 and 2019, of which 16 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 Complete Nutrition compare with other Food (Health) Supplement Stores franchises?

The table sets Complete Nutrition's charge-off rate beside its Food (Health) Supplement 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. A cell in red is more than twice the industry benchmark.

Complete Nutrition versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureComplete NutritionFood (Health) Supplement StoresAll franchisesAll SBA borrowers
Default (charge-off) rate29.6%13.0%10.2%8.0%
Loans in sample54———
Defaults16———
Average loan size$282,050———
Charge-off rate by approval year — share of each fiscal year's Complete Nutrition 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 0% of 9 loans; FY2011 22% of 9 loans; FY2012 29% of 7 loans; FY2013 25% of 8 loans; FY2014 67% of 3 loans; FY2015 67% of 3 loans; FY2016 38% of 8 loans; FY2017 50% of 4 loans; FY2018 33% of 3 loansCharge-off rate by approval year: FY2010 0% of 9 loans; FY2011 22% of 9 loans; FY2012 29% of 7 loans; FY2013 25% of 8 loans; FY2014 67% of 3 loans; FY2015 67% of 3 loans; FY2016 38% of 8 loans; FY2017 50% of 4 loans; FY2018 33% of 3 loans0%5%10%0%2010n=922%2011n=929%2012n=725%2013n=867%2014n=367%2015n=338%2016n=850%2017n=433%2018n=3
Charge-off rate by approval year: FY2010 0% of 9 loans; FY2011 22% of 9 loans; FY2012 29% of 7 loans; FY2013 25% of 8 loans; FY2014 67% of 3 loans; FY2015 67% of 3 loans; FY2016 38% of 8 loans; FY2017 50% of 4 loans; FY2018 33% of 3 loansCharge-off rate by approval year: FY2010 0% of 9 loans; FY2011 22% of 9 loans; FY2012 29% of 7 loans; FY2013 25% of 8 loans; FY2014 67% of 3 loans; FY2015 67% of 3 loans; FY2016 38% of 8 loans; FY2017 50% of 4 loans; FY2018 33% of 3 loans0%5%10%0%’10n=922%’11n=929%’12n=725%’13n=867%’14n=367%’15n=338%’16n=850%’17n=433%’18n=3

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010900.0%
FY20119222.2%
FY20127228.6%
FY20138225.0%
FY20143266.7%
FY20153266.7%
FY20168337.5%
FY20174250.0%
FY20183133.3%

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?

Complete Nutrition's figure rests on 54 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 54 resolved loans, one default moves the rate by about 1.9 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 Complete Nutrition figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 54 resolved loans — directional, not precise.

Frequently asked

What is Complete Nutrition's franchise failure rate on SBA loans?
Between 2010 and 2019, 54 Complete Nutrition franchisees financed with SBA 7(a) loans. 16 defaulted — a 29.6% charge-off rate, 2.3x the Food (Health) Supplement Stores average of 13.0%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Complete Nutrition a safe franchise investment?
Between 2010–2019, Complete Nutrition franchisees defaulted on SBA loans at 29.6% versus a 13.0% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Complete Nutrition franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 29.6% (16 of 54 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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