Franchise Failure Rates

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

Fish Window Cleaning Franchise Failure Rate: 27.3% SBA Loan Defaults (2010–2019 Federal Data)

27.3%
charge-off rate on 22 SBA 7(a) loans to Fish Window Cleaning franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Fish Window Cleaning against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Fish Window Cleaning 27.3%; Janitorial Services 11.2%; All franchises 10.2%Fish Window Cleaning 27.3%; Janitorial Services 11.2%; All franchises 10.2%0%10%20%30%Fish Window Cleaning27.3%Janitorial Services11.2%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Fish Window Cleaning 27.3%; Janitorial Services 11.2%; All franchises 10.2%Fish Window Cleaning 27.3%; Janitorial Services 11.2%; All franchises 10.2%0%10%20%30%Fish Window Cleaning27.3%Janitorial Services11.2%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 4 Fish Window Cleaning SBA borrowers failed to repay — more than double the Janitorial Services average of 11.2%.

Between 2010 and 2019, 22 Fish Window Cleaning franchisees financed with SBA 7(a) loans. 6 defaulted — a 27.3% charge-off rate, 2.4x the Janitorial Services average of 11.2%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Fish Window Cleaning franchise failure rate on SBA loans?

Fish Window Cleaning is a Janitorial Services franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Fish Window Cleaning franchisees: 22 loans approved between fiscal 2010 and 2019, of which 6 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 Fish Window Cleaning compare with other Janitorial Services franchises?

The table sets Fish Window Cleaning's charge-off rate beside its Janitorial Services 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. A cell in red is more than twice the industry benchmark.

Fish Window Cleaning versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureFish Window CleaningJanitorial ServicesAll franchisesAll SBA borrowers
Default (charge-off) rate27.3%11.2%10.2%8.0%
Loans in sample22———
Defaults6———
Average loan size$98,064———
Charge-off rate by approval year — share of each fiscal year's Fish Window Cleaning 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 1 loans; FY2012 0% of 1 loans; FY2013 0% of 1 loans; FY2014 0% of 2 loans; FY2015 67% of 3 loans; FY2016 25% of 8 loans; FY2017 50% of 4 loans; FY2018 0% of 1 loansCharge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 1 loans; FY2012 0% of 1 loans; FY2013 0% of 1 loans; FY2014 0% of 2 loans; FY2015 67% of 3 loans; FY2016 25% of 8 loans; FY2017 50% of 4 loans; FY2018 0% of 1 loans0%5%10%0%2010n=10%2011n=10%2012n=10%2013n=10%2014n=267%2015n=325%2016n=850%2017n=40%2018n=1
Charge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 1 loans; FY2012 0% of 1 loans; FY2013 0% of 1 loans; FY2014 0% of 2 loans; FY2015 67% of 3 loans; FY2016 25% of 8 loans; FY2017 50% of 4 loans; FY2018 0% of 1 loansCharge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 1 loans; FY2012 0% of 1 loans; FY2013 0% of 1 loans; FY2014 0% of 2 loans; FY2015 67% of 3 loans; FY2016 25% of 8 loans; FY2017 50% of 4 loans; FY2018 0% of 1 loans0%5%10%0%’10n=10%’11n=10%’12n=10%’13n=10%’14n=267%’15n=325%’16n=850%’17n=40%’18n=1

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010100.0%
FY2011100.0%
FY2012100.0%
FY2013100.0%
FY2014200.0%
FY20153266.7%
FY20168225.0%
FY20174250.0%
FY2018100.0%

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?

Fish Window Cleaning's figure rests on 22 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 22 resolved loans, one default moves the rate by about 4.5 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 Fish Window Cleaning figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 22 resolved loans — directional, not precise.

Frequently asked

What is Fish Window Cleaning's franchise failure rate on SBA loans?
Between 2010 and 2019, 22 Fish Window Cleaning franchisees financed with SBA 7(a) loans. 6 defaulted — a 27.3% charge-off rate, 2.4x the Janitorial Services average of 11.2%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Fish Window Cleaning a safe franchise investment?
Between 2010–2019, Fish Window Cleaning franchisees defaulted on SBA loans at 27.3% versus a 11.2% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Fish Window Cleaning franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 27.3% (6 of 22 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/fish-window-cleaning/ · Data & methodology · Download the dataset (CSV)