SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Philly Soft Pretzel Factory Franchise Failure Rate: 3.7% 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 27 Philly Soft Pretzel Factory SBA borrowers failed to repay — well below the Snack and Nonalcoholic Beverage Bars average of 10.1%.
Between 2010 and 2019, 27 Philly Soft Pretzel Factory franchisees financed with SBA 7(a) loans. 1 defaulted — a 3.7% charge-off rate, 0.4x the Snack and Nonalcoholic Beverage Bars average of 10.1%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Philly Soft Pretzel Factory franchise failure rate on SBA loans?
Philly Soft Pretzel Factory is a Snack and Nonalcoholic Beverage Bars franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Philly Soft Pretzel Factory franchisees: 27 loans approved between fiscal 2010 and 2019, of which 1 was 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–FY201927
- Charged off1
- Charge-off rate3.7%
- Snack and Nonalcoholic Beverage Bars franchise benchmark10.1%
- Brand vs industry0.4x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$151,785
How does Philly Soft Pretzel Factory compare with other Snack and Nonalcoholic Beverage Bars franchises?
The table sets Philly Soft Pretzel Factory's charge-off rate beside its Snack and Nonalcoholic Beverage Bars 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.
| Measure | Philly Soft Pretzel Factory | Snack and Nonalcoholic Beverage Bars | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 3.7% | 10.1% | 10.2% | 8.0% |
| Loans in sample | 27 | — | — | — |
| Defaults | 1 | — | — | — |
| Average loan size | $151,785 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 2 | 0 | 0.0% |
| FY2012 | 3 | 0 | 0.0% |
| FY2013 | 4 | 0 | 0.0% |
| FY2014 | 4 | 0 | 0.0% |
| FY2015 | 2 | 0 | 0.0% |
| FY2016 | 4 | 1 | 25.0% |
| FY2017 | 5 | 0 | 0.0% |
| FY2018 | 3 | 0 | 0.0% |
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?
Philly Soft Pretzel Factory's figure rests on 27 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 27 resolved loans, one default moves the rate by about 3.7 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 Philly Soft Pretzel Factory figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 27 resolved loans — directional, not precise.
Frequently asked
- What is Philly Soft Pretzel Factory's franchise failure rate on SBA loans?
- Between 2010 and 2019, 27 Philly Soft Pretzel Factory franchisees financed with SBA 7(a) loans. 1 defaulted — a 3.7% charge-off rate, 0.4x the Snack and Nonalcoholic Beverage Bars average of 10.1%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Philly Soft Pretzel Factory a safe franchise investment?
- Between 2010–2019, Philly Soft Pretzel Factory franchisees defaulted on SBA loans at 3.7% versus a 10.1% industry average. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Philly Soft Pretzel Factory franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 3.7% (1 of 27 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/philly-soft-pretzel-factory/ · Data & methodology · Download the dataset (CSV)