SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Culver's ButterBurgers & Frozen Custard Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
None of the 32 Culver's ButterBurgers & Frozen Custard SBA borrowers in the sample failed to repay — well below the Limited-Service Restaurants average of 10.3%.
Between 2010 and 2019, 32 Culver's ButterBurgers & Frozen Custard franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a 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 Culver's ButterBurgers & Frozen Custard franchise failure rate on SBA loans?
Culver's ButterBurgers & Frozen Custard 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 Culver's ButterBurgers & Frozen Custard franchisees: 32 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–FY201932
- Charged off0
- Charge-off rate0.0%
- Limited-Service Restaurants franchise benchmark10.3%
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$1,576,819
- New SBA loans since 2020103
- Early charge-offs since 20200
How does Culver's ButterBurgers & Frozen Custard compare with other Limited-Service Restaurants franchises?
The table sets Culver's ButterBurgers & Frozen Custard'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.
| Measure | Culver's ButterBurgers & Frozen Custard | Limited-Service Restaurants | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.0% | 10.3% | 10.2% | 8.0% |
| Loans in sample | 32 | — | — | — |
| Defaults | 0 | — | — | — |
| Average loan size | $1,576,819 | — | — | — |
What has Culver's ButterBurgers & Frozen Custard SBA lending looked like since 2020?
Since 2020, Culver's ButterBurgers & Frozen Custard franchisees have taken 103 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.
Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2018 | 14 | 0 | 0.0% |
| FY2019 | 18 | 0 | 0.0% |
| FY2020 | 13 | — | outstanding |
| FY2021 | 26 | — | outstanding |
| FY2022 | 18 | — | outstanding |
| FY2023 | 13 | — | outstanding |
| FY2024 | 11 | — | outstanding |
| FY2025 | 11 | — | outstanding |
| FY2026 | 11 | — | outstanding |
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?
Culver's ButterBurgers & Frozen Custard'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 Culver's ButterBurgers & Frozen Custard figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 32 resolved loans — directional, not precise.
Frequently asked
- What is Culver's ButterBurgers & Frozen Custard's franchise failure rate on SBA loans?
- Between 2010 and 2019, 32 Culver's ButterBurgers & Frozen Custard franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Limited-Service Restaurants average of 10.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Culver's ButterBurgers & Frozen Custard a safe franchise investment?
- Between 2010–2019, Culver's ButterBurgers & Frozen Custard franchisees defaulted on SBA loans at 0.0% 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). Culver's ButterBurgers & Frozen Custard franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 32 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/culvers-butterburgers-and-frozen-custard/ · Data & methodology · Download the dataset (CSV)