SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Medicine Shoppe Franchise Failure Rate on SBA Loans: 1 of 16 Charged Off (Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
1 of 16 Medicine Shoppe SBA borrowers failed to repay — too few loans to call a rate; read it as a flag, not a verdict.
1 of 16 SBA 7(a) loans to Medicine Shoppe franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Medicine Shoppe franchise failure rate on SBA loans?
Medicine Shoppe is a Pharmacies and Drug 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 Medicine Shoppe franchisees: 16 loans approved between fiscal 2010 and 2019, of which 1 was charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY201916
- Charged off1
- Charge-off rate (small sample)6.2%
- Pharmacies and Drug Stores franchise benchmark6.0%
- Brand vs industry1.0x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$439,544
How does Medicine Shoppe compare with other Pharmacies and Drug Stores franchises?
The table sets Medicine Shoppe's charge-off rate beside its Pharmacies and Drug 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.
| Measure | Medicine Shoppe | Pharmacies and Drug Stores | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 6.2% (small sample) | 6.0% | 10.2% | 8.0% |
| Loans in sample | 16 | — | — | — |
| Defaults | 1 | — | — | — |
| Average loan size | $439,544 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 5 | 1 | 20.0% |
| FY2011 | 3 | 0 | 0.0% |
| FY2012 | 8 | 0 | 0.0% |
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?
Medicine Shoppe's figure rests on 16 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the count is a settled outcome, not a projection. With 16 resolved loans, one default moves the rate by about 6.2 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 Medicine Shoppe figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (16 loans). A single default moves this figure substantially.
Frequently asked
- What is Medicine Shoppe's franchise failure rate on SBA loans?
- 1 of 16 SBA 7(a) loans to Medicine Shoppe franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Medicine Shoppe a safe franchise investment?
- Between 2010–2019, 1 of 16 SBA loans to Medicine Shoppe franchisees were charged off. The sample is small. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Medicine Shoppe franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 1 of 16 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/medicine-shoppe/ · Data & methodology · Download the dataset (CSV)