SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Naturals2Go Franchise Failure Rate: 25.0% SBA Loan Defaults (2010–2019 Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 4 Naturals2Go SBA borrowers failed to repay — more than double the Vending Machine Operators average of 7.8%.
Between 2010 and 2019, 32 Naturals2Go franchisees financed with SBA 7(a) loans. 8 defaulted — a 25.0% charge-off rate, 3.2x the Vending Machine Operators average of 7.8%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Naturals2Go franchise failure rate on SBA loans?
Naturals2Go is a Vending Machine Operators franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Naturals2Go franchisees: 32 loans approved between fiscal 2010 and 2019, of which 8 were 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–FY201932
- Charged off8
- Charge-off rate25.0%
- Vending Machine Operators franchise benchmark7.8%
- Brand vs industry3.2x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$112,703
- New SBA loans since 2020256
- Early charge-offs since 20201
How does Naturals2Go compare with other Vending Machine Operators franchises?
The table sets Naturals2Go's charge-off rate beside its Vending Machine Operators 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. A cell in red is more than twice the industry benchmark.
| Measure | Naturals2Go | Vending Machine Operators | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 25.0% | 7.8% | 10.2% | 8.0% |
| Loans in sample | 32 | — | — | — |
| Defaults | 8 | — | — | — |
| Average loan size | $112,703 | — | — | — |
What has Naturals2Go SBA lending looked like since 2020?
Since 2020, Naturals2Go franchisees have taken 256 new SBA 7(a) loans. 1 has already charged off. Early defaults on loans under six years old are notable — most SBA failures take longer to develop.
Loans approved since 2020, by fiscal year — counts only: 1 has charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2015 | 1 | 0 | 0.0% |
| FY2016 | 5 | 2 | 40.0% |
| FY2017 | 7 | 2 | 28.6% |
| FY2018 | 13 | 3 | 23.1% |
| FY2019 | 6 | 1 | 16.7% |
| FY2020 | 16 | — | outstanding |
| FY2021 | 29 | — | outstanding |
| FY2022 | 20 | — | outstanding |
| FY2023 | 49 | — | outstanding |
| FY2024 | 42 | — | outstanding |
| FY2025 | 67 | — | outstanding |
| FY2026 | 33 | — | 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?
Naturals2Go's figure rests on 32 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 32 resolved loans, one default moves the rate by about 3.1 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 Naturals2Go figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 32 resolved loans — directional, not precise.
Frequently asked
- What is Naturals2Go's franchise failure rate on SBA loans?
- Between 2010 and 2019, 32 Naturals2Go franchisees financed with SBA 7(a) loans. 8 defaulted — a 25.0% charge-off rate, 3.2x the Vending Machine Operators average of 7.8%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Naturals2Go a safe franchise investment?
- Between 2010–2019, Naturals2Go franchisees defaulted on SBA loans at 25.0% versus a 7.8% industry average. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Naturals2Go franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 25.0% (8 of 32 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/naturals2go/ · Data & methodology · Download the dataset (CSV)