Franchise Failure Rates

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

Napa Auto Parts Franchise Failure Rate: 5.9% SBA Loan Defaults (2010–2019 Federal Data)

5.9%
charge-off rate on 51 SBA 7(a) loans to Napa Auto Parts franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Napa Auto Parts against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Napa Auto Parts 5.9%; Automotive Parts and Accessories Stores 7.9%; All franchises 10.2%Napa Auto Parts 5.9%; Automotive Parts and Accessories Stores 7.9%; All franchises 10.2%0%2%4%6%8%10%Napa Auto Parts5.9%Automotive Parts andAccessories Stores7.9%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Napa Auto Parts 5.9%; Automotive Parts and Accessories Stores 7.9%; All franchises 10.2%Napa Auto Parts 5.9%; Automotive Parts and Accessories Stores 7.9%; All franchises 10.2%0%2%4%6%8%10%Napa Auto Parts5.9%Automotive Parts and Accessories Stores7.9%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 17 Napa Auto Parts SBA borrowers failed to repay — below the Automotive Parts and Accessories Stores average of 7.9%.

Between 2010 and 2019, 51 Napa Auto Parts franchisees financed with SBA 7(a) loans. 3 defaulted — a 5.9% charge-off rate, 0.8x the Automotive Parts and Accessories Stores average of 7.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Napa Auto Parts franchise failure rate on SBA loans?

Napa Auto Parts is a Automotive Parts and Accessories 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 Napa Auto Parts franchisees: 51 loans approved between fiscal 2010 and 2019, of which 3 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 Napa Auto Parts compare with other Automotive Parts and Accessories Stores franchises?

The table sets Napa Auto Parts's charge-off rate beside its Automotive Parts and Accessories 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.

Napa Auto Parts versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureNapa Auto PartsAutomotive Parts and Accessories StoresAll franchisesAll SBA borrowers
Default (charge-off) rate5.9%7.9%10.2%8.0%
Loans in sample51———
Defaults3———
Average loan size$459,008———
Charge-off rate by approval year — share of each fiscal year's Napa Auto Parts 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 25% of 4 loans; FY2011 0% of 7 loans; FY2012 0% of 7 loans; FY2013 0% of 3 loans; FY2014 22% of 9 loans; FY2015 0% of 9 loans; FY2016 0% of 6 loans; FY2017 0% of 6 loansCharge-off rate by approval year: FY2010 25% of 4 loans; FY2011 0% of 7 loans; FY2012 0% of 7 loans; FY2013 0% of 3 loans; FY2014 22% of 9 loans; FY2015 0% of 9 loans; FY2016 0% of 6 loans; FY2017 0% of 6 loans0%5%10%25%2010n=40%2011n=70%2012n=70%2013n=322%2014n=90%2015n=90%2016n=60%2017n=6
Charge-off rate by approval year: FY2010 25% of 4 loans; FY2011 0% of 7 loans; FY2012 0% of 7 loans; FY2013 0% of 3 loans; FY2014 22% of 9 loans; FY2015 0% of 9 loans; FY2016 0% of 6 loans; FY2017 0% of 6 loansCharge-off rate by approval year: FY2010 25% of 4 loans; FY2011 0% of 7 loans; FY2012 0% of 7 loans; FY2013 0% of 3 loans; FY2014 22% of 9 loans; FY2015 0% of 9 loans; FY2016 0% of 6 loans; FY2017 0% of 6 loans0%5%10%25%’10n=40%’11n=70%’12n=70%’13n=322%’14n=90%’15n=90%’16n=60%’17n=6

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY20104125.0%
FY2011700.0%
FY2012700.0%
FY2013300.0%
FY20149222.2%
FY2015900.0%
FY2016600.0%
FY2017600.0%

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?

Napa Auto Parts's figure rests on 51 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 51 resolved loans, one default moves the rate by about 2.0 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 Napa Auto Parts figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 51 resolved loans — directional, not precise.

Frequently asked

What is Napa Auto Parts's franchise failure rate on SBA loans?
Between 2010 and 2019, 51 Napa Auto Parts franchisees financed with SBA 7(a) loans. 3 defaulted — a 5.9% charge-off rate, 0.8x the Automotive Parts and Accessories Stores average of 7.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Napa Auto Parts a safe franchise investment?
Between 2010–2019, Napa Auto Parts franchisees defaulted on SBA loans at 5.9% versus a 7.9% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Napa Auto Parts franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 5.9% (3 of 51 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/napa-auto-parts/ · Data & methodology · Download the dataset (CSV)