Franchise Failure Rates

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

Marco's Pizza Franchise Failure Rate: 7.2% SBA Loan Defaults (2010–2019 Federal Data)

7.2%
charge-off rate on 221 SBA 7(a) loans to Marco's Pizza franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Marco's Pizza against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Marco's Pizza 7.2%; Limited-Service Restaurants 10.3%; All franchises 10.2%Marco's Pizza 7.2%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%2%4%6%8%10%Marco's Pizza7.2%Limited-ServiceRestaurants10.3%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Marco's Pizza 7.2%; Limited-Service Restaurants 10.3%; All franchises 10.2%Marco's Pizza 7.2%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%2%4%6%8%10%Marco's Pizza7.2%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 14 Marco's Pizza SBA borrowers failed to repay — well below the Limited-Service Restaurants average of 10.3%.

Between 2010 and 2019, 221 Marco's Pizza franchisees financed with SBA 7(a) loans. 16 defaulted — a 7.2% charge-off rate, 0.7x 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 Marco's Pizza franchise failure rate on SBA loans?

Marco's Pizza 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 Marco's Pizza franchisees: 221 loans approved between fiscal 2010 and 2019, of which 16 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 Marco's Pizza compare with other Limited-Service Restaurants franchises?

The table sets Marco's Pizza'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.

Marco's Pizza versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureMarco's PizzaLimited-Service RestaurantsAll franchisesAll SBA borrowers
Default (charge-off) rate7.2%10.3%10.2%8.0%
Loans in sample221———
Defaults16———
Average loan size$330,542———

What has Marco's Pizza SBA lending looked like since 2020?

Since 2020, Marco's Pizza franchisees have taken 177 new SBA 7(a) loans. 3 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 Marco's Pizza 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 2 loans; FY2011 50% of 6 loans; FY2012 25% of 4 loans; FY2013 6% of 17 loans; FY2014 0% of 28 loans; FY2015 2% of 40 loans; FY2016 6% of 32 loans; FY2017 11% of 36 loans; FY2018 10% of 30 loans; FY2019 4% of 26 loansCharge-off rate by approval year: FY2010 0% of 2 loans; FY2011 50% of 6 loans; FY2012 25% of 4 loans; FY2013 6% of 17 loans; FY2014 0% of 28 loans; FY2015 2% of 40 loans; FY2016 6% of 32 loans; FY2017 11% of 36 loans; FY2018 10% of 30 loans; FY2019 4% of 26 loans0%8%15%0%2010n=250%2011n=625%2012n=46%2013n=170%2014n=282%2015n=406%2016n=3211%2017n=3610%2018n=304%2019n=26
Charge-off rate by approval year: FY2010 0% of 2 loans; FY2011 50% of 6 loans; FY2012 25% of 4 loans; FY2013 6% of 17 loans; FY2014 0% of 28 loans; FY2015 2% of 40 loans; FY2016 6% of 32 loans; FY2017 11% of 36 loans; FY2018 10% of 30 loans; FY2019 4% of 26 loansCharge-off rate by approval year: FY2010 0% of 2 loans; FY2011 50% of 6 loans; FY2012 25% of 4 loans; FY2013 6% of 17 loans; FY2014 0% of 28 loans; FY2015 2% of 40 loans; FY2016 6% of 32 loans; FY2017 11% of 36 loans; FY2018 10% of 30 loans; FY2019 4% of 26 loans0%8%15%0%’10n=250%’11n=625%’12n=46%’13n=170%’14n=282%’15n=406%’16n=3211%’17n=3610%’18n=304%’19n=26

Loans approved since 2020, by fiscal year — counts only: 3 have charged off to date and most are still outstanding, so no rate is drawn.

Loans approved since 2020: FY2020 19; FY2021 59; FY2022 18; FY2023 20; FY2024 24; FY2025 17; FY2026 20Loans approved since 2020: FY2020 19; FY2021 59; FY2022 18; FY2023 20; FY2024 24; FY2025 17; FY2026 20192020592021182022202023242024172025202026
Loans approved since 2020: FY2020 19; FY2021 59; FY2022 18; FY2023 20; FY2024 24; FY2025 17; FY2026 20Loans approved since 2020: FY2020 19; FY2021 59; FY2022 18; FY2023 20; FY2024 24; FY2025 17; FY2026 2019’2059’2118’2220’2324’2417’2520’26

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010200.0%
FY20116350.0%
FY20124125.0%
FY20131715.9%
FY20142800.0%
FY20154012.5%
FY20163226.2%
FY201736411.1%
FY201830310.0%
FY20192613.8%
FY202019—outstanding
FY202159—outstanding
FY202218—outstanding
FY202320—outstanding
FY202424—outstanding
FY202517—outstanding
FY202620—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?

Marco's Pizza's figure rests on 221 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 221 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 Marco's Pizza figure is recomputed from the public SBA FOIA file on each rebuild.

Frequently asked

What is Marco's Pizza's franchise failure rate on SBA loans?
Between 2010 and 2019, 221 Marco's Pizza franchisees financed with SBA 7(a) loans. 16 defaulted — a 7.2% charge-off rate, 0.7x the Limited-Service Restaurants average of 10.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Marco's Pizza a safe franchise investment?
Between 2010–2019, Marco's Pizza franchisees defaulted on SBA loans at 7.2% 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). Marco's Pizza franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 7.2% (16 of 221 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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