Franchise Failure Rates

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

Denny's Restaurant Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)

0.0%
charge-off rate on 25 SBA 7(a) loans to Denny's Restaurant franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Denny's Restaurant against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Denny's Restaurant 0.0%; Full-Service Restaurants 9.6%; All franchises 10.2%Denny's Restaurant 0.0%; Full-Service Restaurants 9.6%; All franchises 10.2%0%2%4%6%8%10%Denny's Restaurant0.0%Full-Service Restaurants9.6%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Denny's Restaurant 0.0%; Full-Service Restaurants 9.6%; All franchises 10.2%Denny's Restaurant 0.0%; Full-Service Restaurants 9.6%; All franchises 10.2%0%2%4%6%8%10%Denny's Restaurant0.0%Full-Service Restaurants9.6%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 25 Denny's Restaurant SBA borrowers in the sample failed to repay — well below the Full-Service Restaurants average of 9.6%.

Between 2010 and 2019, 25 Denny's Restaurant franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Full-Service Restaurants average of 9.6%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Denny's Restaurant franchise failure rate on SBA loans?

Denny's Restaurant is a Full-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 Denny's Restaurant franchisees: 25 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 Denny's Restaurant compare with other Full-Service Restaurants franchises?

The table sets Denny's Restaurant's charge-off rate beside its Full-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.

Denny's Restaurant versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureDenny's RestaurantFull-Service RestaurantsAll franchisesAll SBA borrowers
Default (charge-off) rate0.0%9.6%10.2%8.0%
Loans in sample25———
Defaults0———
Average loan size$804,720———
Charge-off rate by approval year — share of each fiscal year's Denny's Restaurant 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 1 loans; FY2011 0% of 12 loans; FY2012 0% of 9 loans; FY2013 0% of 3 loansCharge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 12 loans; FY2012 0% of 9 loans; FY2013 0% of 3 loans0%5%10%0%2010n=10%2011n=120%2012n=90%2013n=3
Charge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 12 loans; FY2012 0% of 9 loans; FY2013 0% of 3 loansCharge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 12 loans; FY2012 0% of 9 loans; FY2013 0% of 3 loans0%5%10%0%’10n=10%’11n=120%’12n=90%’13n=3

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010100.0%
FY20111200.0%
FY2012900.0%
FY2013300.0%

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?

Denny's Restaurant's figure rests on 25 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 25 resolved loans, one default moves the rate by about 4.0 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 Denny's Restaurant figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 25 resolved loans — directional, not precise.

Frequently asked

What is Denny's Restaurant's franchise failure rate on SBA loans?
Between 2010 and 2019, 25 Denny's Restaurant franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Full-Service Restaurants average of 9.6%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Denny's Restaurant a safe franchise investment?
Between 2010–2019, Denny's Restaurant franchisees defaulted on SBA loans at 0.0% versus a 9.6% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Denny's Restaurant franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 25 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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