Franchise Failure Rates

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

Edible Arrangements Franchise Failure Rate: 13.8% SBA Loan Defaults (2010–2019 Federal Data)

13.8%
charge-off rate on 189 SBA 7(a) loans to Edible Arrangements franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Edible Arrangements against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Edible Arrangements 13.8%; All Other Specialty Food Stores 10.2%; All franchises 10.2%Edible Arrangements 13.8%; All Other Specialty Food Stores 10.2%; All franchises 10.2%0%5%10%15%Edible Arrangements13.8%All Other Specialty FoodStores10.2%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Edible Arrangements 13.8%; All Other Specialty Food Stores 10.2%; All franchises 10.2%Edible Arrangements 13.8%; All Other Specialty Food Stores 10.2%; All franchises 10.2%0%5%10%15%Edible Arrangements13.8%All Other Specialty Food Stores10.2%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 7 Edible Arrangements SBA borrowers failed to repay — above the All Other Specialty Food Stores average of 10.2%.

Between 2010 and 2019, 189 Edible Arrangements franchisees financed with SBA 7(a) loans. 26 defaulted — a 13.8% charge-off rate, 1.4x the All Other Specialty Food Stores average of 10.2%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Edible Arrangements franchise failure rate on SBA loans?

Edible Arrangements is a All Other Specialty Food 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 Edible Arrangements franchisees: 189 loans approved between fiscal 2010 and 2019, of which 26 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 Edible Arrangements compare with other All Other Specialty Food Stores franchises?

The table sets Edible Arrangements's charge-off rate beside its All Other Specialty Food 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.

Edible Arrangements versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureEdible ArrangementsAll Other Specialty Food StoresAll franchisesAll SBA borrowers
Default (charge-off) rate13.8%10.2%10.2%8.0%
Loans in sample189———
Defaults26———
Average loan size$188,990———

What has Edible Arrangements SBA lending looked like since 2020?

Since 2020, Edible Arrangements franchisees have taken 63 new SBA 7(a) loans. 2 have already charged off. Early defaults on loans under six years old are notable — most SBA failures take longer to develop.

Charge-off rate by approval year — share of each fiscal year's Edible Arrangements 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 15 loans; FY2011 0% of 16 loans; FY2012 6% of 16 loans; FY2013 6% of 16 loans; FY2014 10% of 31 loans; FY2015 26% of 27 loans; FY2016 25% of 32 loans; FY2017 24% of 17 loans; FY2018 8% of 12 loans; FY2019 14% of 7 loansCharge-off rate by approval year: FY2010 0% of 15 loans; FY2011 0% of 16 loans; FY2012 6% of 16 loans; FY2013 6% of 16 loans; FY2014 10% of 31 loans; FY2015 26% of 27 loans; FY2016 25% of 32 loans; FY2017 24% of 17 loans; FY2018 8% of 12 loans; FY2019 14% of 7 loans0%15%30%0%2010n=150%2011n=166%2012n=166%2013n=1610%2014n=3126%2015n=2725%2016n=3224%2017n=178%2018n=1214%2019n=7
Charge-off rate by approval year: FY2010 0% of 15 loans; FY2011 0% of 16 loans; FY2012 6% of 16 loans; FY2013 6% of 16 loans; FY2014 10% of 31 loans; FY2015 26% of 27 loans; FY2016 25% of 32 loans; FY2017 24% of 17 loans; FY2018 8% of 12 loans; FY2019 14% of 7 loansCharge-off rate by approval year: FY2010 0% of 15 loans; FY2011 0% of 16 loans; FY2012 6% of 16 loans; FY2013 6% of 16 loans; FY2014 10% of 31 loans; FY2015 26% of 27 loans; FY2016 25% of 32 loans; FY2017 24% of 17 loans; FY2018 8% of 12 loans; FY2019 14% of 7 loans0%15%30%0%’10n=150%’11n=166%’12n=166%’13n=1610%’14n=3126%’15n=2725%’16n=3224%’17n=178%’18n=1214%’19n=7

Loans approved since 2020, by fiscal year — counts only: 2 have charged off to date and most are still outstanding, so no rate is drawn.

Loans approved since 2020: FY2020 5; FY2021 14; FY2022 19; FY2023 16; FY2024 2; FY2025 5; FY2026 2Loans approved since 2020: FY2020 5; FY2021 14; FY2022 19; FY2023 16; FY2024 2; FY2025 5; FY2026 252020142021192022162023220245202522026
Loans approved since 2020: FY2020 5; FY2021 14; FY2022 19; FY2023 16; FY2024 2; FY2025 5; FY2026 2Loans approved since 2020: FY2020 5; FY2021 14; FY2022 19; FY2023 16; FY2024 2; FY2025 5; FY2026 25’2014’2119’2216’232’245’252’26

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY20101500.0%
FY20111600.0%
FY20121616.2%
FY20131616.2%
FY20143139.7%
FY201527725.9%
FY201632825.0%
FY201717423.5%
FY20181218.3%
FY20197114.3%
FY20205—outstanding
FY202114—outstanding
FY202219—outstanding
FY202316—outstanding
FY20242—outstanding
FY20255—outstanding
FY20262—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?

Edible Arrangements's figure rests on 189 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 189 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 Edible Arrangements figure is recomputed from the public SBA FOIA file on each rebuild.

Frequently asked

What is Edible Arrangements's franchise failure rate on SBA loans?
Between 2010 and 2019, 189 Edible Arrangements franchisees financed with SBA 7(a) loans. 26 defaulted — a 13.8% charge-off rate, 1.4x the All Other Specialty Food Stores average of 10.2%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Edible Arrangements a safe franchise investment?
Between 2010–2019, Edible Arrangements franchisees defaulted on SBA loans at 13.8% versus a 10.2% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Edible Arrangements franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 13.8% (26 of 189 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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