Franchise Failure Rates

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

Paul Davis Restoration Franchise Failure Rate: 10.2% SBA Loan Defaults (2010–2019 Federal Data)

10.2%
charge-off rate on 49 SBA 7(a) loans to Paul Davis Restoration franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Paul Davis Restoration against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Paul Davis Restoration 10.2%; Residential Remodelers 12.9%; All franchises 10.2%Paul Davis Restoration 10.2%; Residential Remodelers 12.9%; All franchises 10.2%0%5%10%Paul Davis Restoration10.2%Residential Remodelers12.9%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Paul Davis Restoration 10.2%; Residential Remodelers 12.9%; All franchises 10.2%Paul Davis Restoration 10.2%; Residential Remodelers 12.9%; All franchises 10.2%0%5%10%Paul Davis Restoration10.2%Residential Remodelers12.9%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 10 Paul Davis Restoration SBA borrowers failed to repay — below the Residential Remodelers average of 12.9%.

Between 2010 and 2019, 49 Paul Davis Restoration franchisees financed with SBA 7(a) loans. 5 defaulted — a 10.2% charge-off rate, 0.8x the Residential Remodelers average of 12.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Paul Davis Restoration franchise failure rate on SBA loans?

Paul Davis Restoration is a Residential Remodelers franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Paul Davis Restoration franchisees: 49 loans approved between fiscal 2010 and 2019, of which 5 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 Paul Davis Restoration compare with other Residential Remodelers franchises?

The table sets Paul Davis Restoration's charge-off rate beside its Residential Remodelers 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.

Paul Davis Restoration versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasurePaul Davis RestorationResidential RemodelersAll franchisesAll SBA borrowers
Default (charge-off) rate10.2%12.9%10.2%8.0%
Loans in sample49———
Defaults5———
Average loan size$293,015———

What has Paul Davis Restoration SBA lending looked like since 2020?

Since 2020, Paul Davis Restoration franchisees have taken 87 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.

Charge-off rate by approval year — share of each fiscal year's Paul Davis Restoration 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 0% of 5 loans; FY2011 50% of 2 loans; FY2012 0% of 7 loans; FY2013 0% of 4 loans; FY2014 57% of 7 loans; FY2015 0% of 9 loans; FY2016 0% of 8 loans; FY2017 0% of 5 loans; FY2019 0% of 2 loansCharge-off rate by approval year: FY2010 0% of 5 loans; FY2011 50% of 2 loans; FY2012 0% of 7 loans; FY2013 0% of 4 loans; FY2014 57% of 7 loans; FY2015 0% of 9 loans; FY2016 0% of 8 loans; FY2017 0% of 5 loans; FY2019 0% of 2 loans0%5%10%0%2010n=550%2011n=20%2012n=70%2013n=457%2014n=70%2015n=90%2016n=80%2017n=50%2019n=2
Charge-off rate by approval year: FY2010 0% of 5 loans; FY2011 50% of 2 loans; FY2012 0% of 7 loans; FY2013 0% of 4 loans; FY2014 57% of 7 loans; FY2015 0% of 9 loans; FY2016 0% of 8 loans; FY2017 0% of 5 loans; FY2019 0% of 2 loansCharge-off rate by approval year: FY2010 0% of 5 loans; FY2011 50% of 2 loans; FY2012 0% of 7 loans; FY2013 0% of 4 loans; FY2014 57% of 7 loans; FY2015 0% of 9 loans; FY2016 0% of 8 loans; FY2017 0% of 5 loans; FY2019 0% of 2 loans0%5%10%0%’10n=550%’11n=20%’12n=70%’13n=457%’14n=70%’15n=90%’16n=80%’17n=50%’19n=2

Loans approved since 2020, by fiscal year — counts only: 0 have charged off to date and most are still outstanding, so no rate is drawn.

Loans approved since 2020: FY2020 6; FY2021 9; FY2022 2; FY2023 21; FY2024 4; FY2025 17; FY2026 28Loans approved since 2020: FY2020 6; FY2021 9; FY2022 2; FY2023 21; FY2024 4; FY2025 17; FY2026 2862020920212202221202342024172025282026
Loans approved since 2020: FY2020 6; FY2021 9; FY2022 2; FY2023 21; FY2024 4; FY2025 17; FY2026 28Loans approved since 2020: FY2020 6; FY2021 9; FY2022 2; FY2023 21; FY2024 4; FY2025 17; FY2026 286’209’212’2221’234’2417’2528’26

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2010500.0%
FY20112150.0%
FY2012700.0%
FY2013400.0%
FY20147457.1%
FY2015900.0%
FY2016800.0%
FY2017500.0%
FY2019200.0%
FY20206—outstanding
FY20219—outstanding
FY20222—outstanding
FY202321—outstanding
FY20244—outstanding
FY202517—outstanding
FY202628—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?

Paul Davis Restoration's figure rests on 49 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 49 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 Paul Davis Restoration figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 49 resolved loans — directional, not precise.

Frequently asked

What is Paul Davis Restoration's franchise failure rate on SBA loans?
Between 2010 and 2019, 49 Paul Davis Restoration franchisees financed with SBA 7(a) loans. 5 defaulted — a 10.2% charge-off rate, 0.8x the Residential Remodelers average of 12.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Paul Davis Restoration a safe franchise investment?
Between 2010–2019, Paul Davis Restoration franchisees defaulted on SBA loans at 10.2% versus a 12.9% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Paul Davis Restoration franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 10.2% (5 of 49 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/paul-davis-restoration/ · Data & methodology · Download the dataset (CSV)