Franchise Failure Rates

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

Office Evolution Franchise Failure Rate on SBA Loans: 2 of 16 Charged Off (Federal Data)

2 of 16
SBA 7(a) loans to Office Evolution franchisees (FY2010–2019) ended in charge-off
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Office Evolution against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Office Evolution 12.5%; Office Administrative Services 9.9%; All franchises 10.2%Office Evolution 12.5%; Office Administrative Services 9.9%; All franchises 10.2%0%5%10%Office Evolution12.5% (small sample)Office AdministrativeServices9.9%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Office Evolution 12.5%; Office Administrative Services 9.9%; All franchises 10.2%Office Evolution 12.5%; Office Administrative Services 9.9%; All franchises 10.2%0%5%10%Office Evolution12.5% (small sample)Office Administrative Services9.9%All franchises10.2%

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

2 of 16 Office Evolution SBA borrowers failed to repay — too few loans to call a rate; read it as a flag, not a verdict.

2 of 16 SBA 7(a) loans to Office Evolution 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 Office Evolution franchise failure rate on SBA loans?

Office Evolution is a Office Administrative Services franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Office Evolution franchisees: 16 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 Office Evolution compare with other Office Administrative Services franchises?

The table sets Office Evolution's charge-off rate beside its Office Administrative Services 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.

Office Evolution versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureOffice EvolutionOffice Administrative ServicesAll franchisesAll SBA borrowers
Default (charge-off) rate12.5% (small sample)9.9%10.2%8.0%
Loans in sample16———
Defaults2———
Average loan size$301,138———

What has Office Evolution SBA lending looked like since 2020?

Since 2020, Office Evolution franchisees have taken 25 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.

Charge-off rate by approval year — share of each fiscal year's Office Evolution 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: FY2014 0% of 1 loans; FY2016 0% of 1 loans; FY2017 50% of 4 loans; FY2018 0% of 8 loans; FY2019 0% of 2 loansCharge-off rate by approval year: FY2014 0% of 1 loans; FY2016 0% of 1 loans; FY2017 50% of 4 loans; FY2018 0% of 8 loans; FY2019 0% of 2 loans0%5%10%0%2014n=10%2016n=150%2017n=40%2018n=80%2019n=2
Charge-off rate by approval year: FY2014 0% of 1 loans; FY2016 0% of 1 loans; FY2017 50% of 4 loans; FY2018 0% of 8 loans; FY2019 0% of 2 loansCharge-off rate by approval year: FY2014 0% of 1 loans; FY2016 0% of 1 loans; FY2017 50% of 4 loans; FY2018 0% of 8 loans; FY2019 0% of 2 loans0%5%10%0%’14n=10%’16n=150%’17n=40%’18n=80%’19n=2

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.

Loans approved since 2020: FY2020 8; FY2021 5; FY2022 1; FY2023 2; FY2024 2; FY2025 3; FY2026 4Loans approved since 2020: FY2020 8; FY2021 5; FY2022 1; FY2023 2; FY2024 2; FY2025 3; FY2026 482020520211202222023220243202542026
Loans approved since 2020: FY2020 8; FY2021 5; FY2022 1; FY2023 2; FY2024 2; FY2025 3; FY2026 4Loans approved since 2020: FY2020 8; FY2021 5; FY2022 1; FY2023 2; FY2024 2; FY2025 3; FY2026 48’205’211’222’232’243’254’26

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2014100.0%
FY2016100.0%
FY20174250.0%
FY2018800.0%
FY2019200.0%
FY20208—outstanding
FY20215—outstanding
FY20221—outstanding
FY20232—outstanding
FY20242—outstanding
FY20253—outstanding
FY20264—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?

Office Evolution'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 Office Evolution 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 Office Evolution's franchise failure rate on SBA loans?
2 of 16 SBA 7(a) loans to Office Evolution 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 Office Evolution a safe franchise investment?
Between 2010–2019, 2 of 16 SBA loans to Office Evolution 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). Office Evolution franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 2 of 16 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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