Franchise Failure Rates

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

Dunkin Donuts Franchise Failure Rate: 1.6% SBA Loan Defaults (2010–2019 Federal Data)

1.6%
charge-off rate on 191 SBA 7(a) loans to Dunkin Donuts franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Dunkin Donuts against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Dunkin Donuts 1.6%; Limited-Service Restaurants 10.3%; All franchises 10.2%Dunkin Donuts 1.6%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%2%4%6%8%10%Dunkin Donuts1.6%Limited-ServiceRestaurants10.3%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Dunkin Donuts 1.6%; Limited-Service Restaurants 10.3%; All franchises 10.2%Dunkin Donuts 1.6%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%2%4%6%8%10%Dunkin Donuts1.6%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 62 Dunkin Donuts SBA borrowers failed to repay — well below the Limited-Service Restaurants average of 10.3%.

Between 2010 and 2019, 191 Dunkin Donuts franchisees financed with SBA 7(a) loans. 3 defaulted — a 1.6% charge-off rate, 0.2x 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 Dunkin Donuts franchise failure rate on SBA loans?

Dunkin Donuts 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 Dunkin Donuts franchisees: 191 loans approved between fiscal 2010 and 2019, of which 3 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 Dunkin Donuts compare with other Limited-Service Restaurants franchises?

The table sets Dunkin Donuts'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.

Dunkin Donuts versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureDunkin DonutsLimited-Service RestaurantsAll franchisesAll SBA borrowers
Default (charge-off) rate1.6%10.3%10.2%8.0%
Loans in sample191———
Defaults3———
Average loan size$612,477———
Charge-off rate by approval year — share of each fiscal year's Dunkin Donuts 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 3% of 34 loans; FY2011 3% of 38 loans; FY2012 0% of 40 loans; FY2013 0% of 28 loans; FY2014 0% of 13 loans; FY2015 0% of 19 loans; FY2016 0% of 13 loans; FY2017 25% of 4 loans; FY2018 0% of 2 loansCharge-off rate by approval year: FY2010 3% of 34 loans; FY2011 3% of 38 loans; FY2012 0% of 40 loans; FY2013 0% of 28 loans; FY2014 0% of 13 loans; FY2015 0% of 19 loans; FY2016 0% of 13 loans; FY2017 25% of 4 loans; FY2018 0% of 2 loans0%5%10%3%2010n=343%2011n=380%2012n=400%2013n=280%2014n=130%2015n=190%2016n=1325%2017n=40%2018n=2
Charge-off rate by approval year: FY2010 3% of 34 loans; FY2011 3% of 38 loans; FY2012 0% of 40 loans; FY2013 0% of 28 loans; FY2014 0% of 13 loans; FY2015 0% of 19 loans; FY2016 0% of 13 loans; FY2017 25% of 4 loans; FY2018 0% of 2 loansCharge-off rate by approval year: FY2010 3% of 34 loans; FY2011 3% of 38 loans; FY2012 0% of 40 loans; FY2013 0% of 28 loans; FY2014 0% of 13 loans; FY2015 0% of 19 loans; FY2016 0% of 13 loans; FY2017 25% of 4 loans; FY2018 0% of 2 loans0%5%10%3%’10n=343%’11n=380%’12n=400%’13n=280%’14n=130%’15n=190%’16n=1325%’17n=40%’18n=2

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY20103412.9%
FY20113812.6%
FY20124000.0%
FY20132800.0%
FY20141300.0%
FY20151900.0%
FY20161300.0%
FY20174125.0%
FY2018200.0%

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?

Dunkin Donuts's figure rests on 191 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 191 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Dunkin Donuts figure is recomputed from the public SBA FOIA file on each rebuild.

Frequently asked

What is Dunkin Donuts's franchise failure rate on SBA loans?
Between 2010 and 2019, 191 Dunkin Donuts franchisees financed with SBA 7(a) loans. 3 defaulted — a 1.6% charge-off rate, 0.2x the Limited-Service Restaurants average of 10.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Dunkin Donuts a safe franchise investment?
Between 2010–2019, Dunkin Donuts franchisees defaulted on SBA loans at 1.6% 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). Dunkin Donuts franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 1.6% (3 of 191 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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