Franchise Failure Rates

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

Culver's Frozen Custard Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)

0.0%
charge-off rate on 50 SBA 7(a) loans to Culver's Frozen Custard franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Culver's Frozen Custard against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Culver's Frozen Custard 0.0%; Limited-Service Restaurants 10.3%; All franchises 10.2%Culver's Frozen Custard 0.0%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%2%4%6%8%10%Culver's Frozen Custard0.0%Limited-ServiceRestaurants10.3%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Culver's Frozen Custard 0.0%; Limited-Service Restaurants 10.3%; All franchises 10.2%Culver's Frozen Custard 0.0%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%2%4%6%8%10%Culver's Frozen Custard0.0%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.

None of the 50 Culver's Frozen Custard SBA borrowers in the sample failed to repay — well below the Limited-Service Restaurants average of 10.3%.

Between 2010 and 2019, 50 Culver's 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 Frozen Custard franchise failure rate on SBA loans?

Culver's 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 Frozen Custard franchisees: 50 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.

How does Culver's Frozen Custard compare with other Limited-Service Restaurants franchises?

The table sets Culver's 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.

Culver's Frozen Custard versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureCulver's Frozen CustardLimited-Service RestaurantsAll franchisesAll SBA borrowers
Default (charge-off) rate0.0%10.3%10.2%8.0%
Loans in sample50———
Defaults0———
Average loan size$1,011,376———
Charge-off rate by approval year — share of each fiscal year's Culver's Frozen Custard SBA 7(a) loans that later defaulted (FY2010–FY2019)
Charge-off rate by approval year: FY2010 0% of 11 loans; FY2011 0% of 11 loans; FY2012 0% of 17 loans; FY2013 0% of 11 loansCharge-off rate by approval year: FY2010 0% of 11 loans; FY2011 0% of 11 loans; FY2012 0% of 17 loans; FY2013 0% of 11 loans0%5%10%0%2010n=110%2011n=110%2012n=170%2013n=11
Charge-off rate by approval year: FY2010 0% of 11 loans; FY2011 0% of 11 loans; FY2012 0% of 17 loans; FY2013 0% of 11 loansCharge-off rate by approval year: FY2010 0% of 11 loans; FY2011 0% of 11 loans; FY2012 0% of 17 loans; FY2013 0% of 11 loans0%5%10%0%’10n=110%’11n=110%’12n=170%’13n=11

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY20101100.0%
FY20111100.0%
FY20121700.0%
FY20131100.0%

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?

Culver's Frozen Custard's figure rests on 50 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 50 resolved loans, one default moves the rate by about 2.0 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 Frozen Custard figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 50 resolved loans — directional, not precise.

Frequently asked

What is Culver's Frozen Custard's franchise failure rate on SBA loans?
Between 2010 and 2019, 50 Culver's 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 Frozen Custard a safe franchise investment?
Between 2010–2019, Culver's 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 Frozen Custard franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 50 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/culvers-frozen-custard/ · Data & methodology · Download the dataset (CSV)