Franchise Failure Rates

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

Mrs. Fields Cookies Franchise Failure Rate on SBA Loans: 2 of 17 Charged Off (Federal Data)

2 of 17
SBA 7(a) loans to Mrs. Fields Cookies franchisees (FY2010–2019) ended in charge-off
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Mrs. Fields Cookies against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Mrs. Fields Cookies 11.8%; Baked Goods Stores 8.7%; All franchises 10.2%Mrs. Fields Cookies 11.8%; Baked Goods Stores 8.7%; All franchises 10.2%0%5%10%Mrs. Fields Cookies11.8% (small sample)Baked Goods Stores8.7%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Mrs. Fields Cookies 11.8%; Baked Goods Stores 8.7%; All franchises 10.2%Mrs. Fields Cookies 11.8%; Baked Goods Stores 8.7%; All franchises 10.2%0%5%10%Mrs. Fields Cookies11.8% (small sample)Baked Goods Stores8.7%All franchises10.2%

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.

2 of 17 Mrs. Fields Cookies SBA borrowers failed to repay — too few loans to call a rate; read it as a flag, not a verdict.

2 of 17 SBA 7(a) loans to Mrs. Fields Cookies 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 Mrs. Fields Cookies franchise failure rate on SBA loans?

Mrs. Fields Cookies is a Baked Goods 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 Mrs. Fields Cookies franchisees: 17 loans approved between fiscal 2010 and 2019, of which 2 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 Mrs. Fields Cookies compare with other Baked Goods Stores franchises?

The table sets Mrs. Fields Cookies's charge-off rate beside its Baked Goods 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.

Mrs. Fields Cookies versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureMrs. Fields CookiesBaked Goods StoresAll franchisesAll SBA borrowers
Default (charge-off) rate11.8% (small sample)8.7%10.2%8.0%
Loans in sample17———
Defaults2———
Average loan size$188,706———
Charge-off rate by approval year — share of each fiscal year's Mrs. Fields Cookies 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 20% of 5 loans; FY2011 0% of 1 loans; FY2012 0% of 3 loans; FY2014 0% of 3 loans; FY2016 0% of 2 loans; FY2017 100% of 1 loans; FY2018 0% of 2 loansCharge-off rate by approval year: FY2010 20% of 5 loans; FY2011 0% of 1 loans; FY2012 0% of 3 loans; FY2014 0% of 3 loans; FY2016 0% of 2 loans; FY2017 100% of 1 loans; FY2018 0% of 2 loans0%5%10%20%2010n=50%2011n=10%2012n=30%2014n=30%2016n=2100%2017n=10%2018n=2
Charge-off rate by approval year: FY2010 20% of 5 loans; FY2011 0% of 1 loans; FY2012 0% of 3 loans; FY2014 0% of 3 loans; FY2016 0% of 2 loans; FY2017 100% of 1 loans; FY2018 0% of 2 loansCharge-off rate by approval year: FY2010 20% of 5 loans; FY2011 0% of 1 loans; FY2012 0% of 3 loans; FY2014 0% of 3 loans; FY2016 0% of 2 loans; FY2017 100% of 1 loans; FY2018 0% of 2 loans0%5%10%20%’10n=50%’11n=10%’12n=30%’14n=30%’16n=2100%’17n=10%’18n=2

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY20105120.0%
FY2011100.0%
FY2012300.0%
FY2014300.0%
FY2016200.0%
FY201711100.0%
FY2018200.0%

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?

Mrs. Fields Cookies's figure rests on 17 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 17 resolved loans, one default moves the rate by about 5.9 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 Mrs. Fields Cookies figure is recomputed from the public SBA FOIA file on each rebuild.

Small sample (17 loans). A single default moves this figure substantially.

Frequently asked

What is Mrs. Fields Cookies's franchise failure rate on SBA loans?
2 of 17 SBA 7(a) loans to Mrs. Fields Cookies 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 Mrs. Fields Cookies a safe franchise investment?
Between 2010–2019, 2 of 17 SBA loans to Mrs. Fields Cookies 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). Mrs. Fields Cookies franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 2 of 17 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/mrs-fields-cookies/ · Data & methodology · Download the dataset (CSV)