Franchise Failure Rates

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

Kid to Kid Franchise Failure Rate: 15.4% SBA Loan Defaults (2010–2019 Federal Data)

15.4%
charge-off rate on 26 SBA 7(a) loans to Kid to Kid franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Kid to Kid against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Kid to Kid 15.4%; Children's and Infants' Clothing Stores 9.6%; All franchises 10.2%Kid to Kid 15.4%; Children's and Infants' Clothing Stores 9.6%; All franchises 10.2%0%5%10%15%Kid to Kid15.4%Children's and Infants'Clothing Stores9.6%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Kid to Kid 15.4%; Children's and Infants' Clothing Stores 9.6%; All franchises 10.2%Kid to Kid 15.4%; Children's and Infants' Clothing Stores 9.6%; All franchises 10.2%0%5%10%15%Kid to Kid15.4%Children's and Infants' Clothing Stores9.6%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 6 Kid to Kid SBA borrowers failed to repay — well above the Children's and Infants' Clothing Stores average of 9.6%.

Between 2010 and 2019, 26 Kid to Kid franchisees financed with SBA 7(a) loans. 4 defaulted — a 15.4% charge-off rate, 1.6x the Children's and Infants' Clothing Stores average of 9.6%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Kid to Kid franchise failure rate on SBA loans?

Kid to Kid is a Children's and Infants' Clothing 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 Kid to Kid franchisees: 26 loans approved between fiscal 2010 and 2019, of which 4 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 Kid to Kid compare with other Children's and Infants' Clothing Stores franchises?

The table sets Kid to Kid's charge-off rate beside its Children's and Infants' Clothing 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.

Kid to Kid versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureKid to KidChildren's and Infants' Clothing StoresAll franchisesAll SBA borrowers
Default (charge-off) rate15.4%9.6%10.2%8.0%
Loans in sample26———
Defaults4———
Average loan size$210,512———

What has Kid to Kid SBA lending looked like since 2020?

Since 2020, Kid to Kid franchisees have taken 28 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.

Charge-off rate by approval year — share of each fiscal year's Kid to Kid 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 2 loans; FY2012 0% of 1 loans; FY2013 0% of 1 loans; FY2014 0% of 3 loans; FY2015 17% of 6 loans; FY2016 0% of 4 loans; FY2017 50% of 4 loans; FY2018 100% of 1 loans; FY2019 0% of 3 loansCharge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 2 loans; FY2012 0% of 1 loans; FY2013 0% of 1 loans; FY2014 0% of 3 loans; FY2015 17% of 6 loans; FY2016 0% of 4 loans; FY2017 50% of 4 loans; FY2018 100% of 1 loans; FY2019 0% of 3 loans0%5%10%0%2010n=10%2011n=20%2012n=10%2013n=10%2014n=317%2015n=60%2016n=450%2017n=4100%2018n=10%2019n=3
Charge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 2 loans; FY2012 0% of 1 loans; FY2013 0% of 1 loans; FY2014 0% of 3 loans; FY2015 17% of 6 loans; FY2016 0% of 4 loans; FY2017 50% of 4 loans; FY2018 100% of 1 loans; FY2019 0% of 3 loansCharge-off rate by approval year: FY2010 0% of 1 loans; FY2011 0% of 2 loans; FY2012 0% of 1 loans; FY2013 0% of 1 loans; FY2014 0% of 3 loans; FY2015 17% of 6 loans; FY2016 0% of 4 loans; FY2017 50% of 4 loans; FY2018 100% of 1 loans; FY2019 0% of 3 loans0%5%10%0%’10n=10%’11n=20%’12n=10%’13n=10%’14n=317%’15n=60%’16n=450%’17n=4100%’18n=10%’19n=3

Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.

Loans approved since 2020: FY2020 1; FY2021 4; FY2022 8; FY2023 5; FY2024 5; FY2025 3; FY2026 2Loans approved since 2020: FY2020 1; FY2021 4; FY2022 8; FY2023 5; FY2024 5; FY2025 3; FY2026 212020420218202252023520243202522026
Loans approved since 2020: FY2020 1; FY2021 4; FY2022 8; FY2023 5; FY2024 5; FY2025 3; FY2026 2Loans approved since 2020: FY2020 1; FY2021 4; FY2022 8; FY2023 5; FY2024 5; FY2025 3; FY2026 21’204’218’225’235’243’252’26

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010100.0%
FY2011200.0%
FY2012100.0%
FY2013100.0%
FY2014300.0%
FY20156116.7%
FY2016400.0%
FY20174250.0%
FY201811100.0%
FY2019300.0%
FY20201—outstanding
FY20214—outstanding
FY20228—outstanding
FY20235—outstanding
FY20245—outstanding
FY20253—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?

Kid to Kid's figure rests on 26 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 26 resolved loans, one default moves the rate by about 3.8 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 Kid to Kid figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 26 resolved loans — directional, not precise.

Frequently asked

What is Kid to Kid's franchise failure rate on SBA loans?
Between 2010 and 2019, 26 Kid to Kid franchisees financed with SBA 7(a) loans. 4 defaulted — a 15.4% charge-off rate, 1.6x the Children's and Infants' Clothing Stores average of 9.6%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Kid to Kid a safe franchise investment?
Between 2010–2019, Kid to Kid franchisees defaulted on SBA loans at 15.4% 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). Kid to Kid franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 15.4% (4 of 26 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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