Franchise Failure Rates

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

Glass Doctor Franchise Failure Rate: 47.8% SBA Loan Defaults (2010–2019 Federal Data)

47.8%
charge-off rate on 23 SBA 7(a) loans to Glass Doctor franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Glass Doctor against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Glass Doctor 47.8%; Automotive Glass Replacement Shops 11.2%; All franchises 10.2%Glass Doctor 47.8%; Automotive Glass Replacement Shops 11.2%; All franchises 10.2%0%10%20%30%40%50%Glass Doctor47.8%Automotive GlassReplacement Shops11.2%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Glass Doctor 47.8%; Automotive Glass Replacement Shops 11.2%; All franchises 10.2%Glass Doctor 47.8%; Automotive Glass Replacement Shops 11.2%; All franchises 10.2%0%10%20%30%40%50%Glass Doctor47.8%Automotive Glass Replacement Shops11.2%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 2 Glass Doctor SBA borrowers failed to repay — more than double the Automotive Glass Replacement Shops average of 11.2%.

Between 2010 and 2019, 23 Glass Doctor franchisees financed with SBA 7(a) loans. 11 defaulted — a 47.8% charge-off rate, 4.3x the Automotive Glass Replacement Shops average of 11.2%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Glass Doctor franchise failure rate on SBA loans?

Glass Doctor is a Automotive Glass Replacement Shops franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Glass Doctor franchisees: 23 loans approved between fiscal 2010 and 2019, of which 11 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 Glass Doctor compare with other Automotive Glass Replacement Shops franchises?

The table sets Glass Doctor's charge-off rate beside its Automotive Glass Replacement Shops 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.

Glass Doctor versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureGlass DoctorAutomotive Glass Replacement ShopsAll franchisesAll SBA borrowers
Default (charge-off) rate47.8%11.2%10.2%8.0%
Loans in sample23———
Defaults11———
Average loan size$202,187———

What has Glass Doctor SBA lending looked like since 2020?

Since 2020, Glass Doctor franchisees have taken 45 new SBA 7(a) loans. 6 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 Glass Doctor 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 50% of 4 loans; FY2013 0% of 1 loans; FY2015 0% of 4 loans; FY2016 67% of 3 loans; FY2017 50% of 2 loans; FY2018 67% of 6 loans; FY2019 67% of 3 loansCharge-off rate by approval year: FY2010 50% of 4 loans; FY2013 0% of 1 loans; FY2015 0% of 4 loans; FY2016 67% of 3 loans; FY2017 50% of 2 loans; FY2018 67% of 6 loans; FY2019 67% of 3 loans0%5%10%50%2010n=40%2013n=10%2015n=467%2016n=350%2017n=267%2018n=667%2019n=3
Charge-off rate by approval year: FY2010 50% of 4 loans; FY2013 0% of 1 loans; FY2015 0% of 4 loans; FY2016 67% of 3 loans; FY2017 50% of 2 loans; FY2018 67% of 6 loans; FY2019 67% of 3 loansCharge-off rate by approval year: FY2010 50% of 4 loans; FY2013 0% of 1 loans; FY2015 0% of 4 loans; FY2016 67% of 3 loans; FY2017 50% of 2 loans; FY2018 67% of 6 loans; FY2019 67% of 3 loans0%5%10%50%’10n=40%’13n=10%’15n=467%’16n=350%’17n=267%’18n=667%’19n=3

Loans approved since 2020, by fiscal year — counts only: 6 have charged off to date and most are still outstanding, so no rate is drawn.

Loans approved since 2020: FY2020 5; FY2021 7; FY2022 3; FY2023 8; FY2024 10; FY2025 3; FY2026 9Loans approved since 2020: FY2020 5; FY2021 7; FY2022 3; FY2023 8; FY2024 10; FY2025 3; FY2026 9520207202132022820231020243202592026
Loans approved since 2020: FY2020 5; FY2021 7; FY2022 3; FY2023 8; FY2024 10; FY2025 3; FY2026 9Loans approved since 2020: FY2020 5; FY2021 7; FY2022 3; FY2023 8; FY2024 10; FY2025 3; FY2026 95’207’213’228’2310’243’259’26

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY20104250.0%
FY2013100.0%
FY2015400.0%
FY20163266.7%
FY20172150.0%
FY20186466.7%
FY20193266.7%
FY20205—outstanding
FY20217—outstanding
FY20223—outstanding
FY20238—outstanding
FY202410—outstanding
FY20253—outstanding
FY20269—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?

Glass Doctor's figure rests on 23 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 23 resolved loans, one default moves the rate by about 4.3 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 Glass Doctor figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 23 resolved loans — directional, not precise.

Frequently asked

What is Glass Doctor's franchise failure rate on SBA loans?
Between 2010 and 2019, 23 Glass Doctor franchisees financed with SBA 7(a) loans. 11 defaulted — a 47.8% charge-off rate, 4.3x the Automotive Glass Replacement Shops average of 11.2%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Glass Doctor a safe franchise investment?
Between 2010–2019, Glass Doctor franchisees defaulted on SBA loans at 47.8% 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). Glass Doctor franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 47.8% (11 of 23 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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