Franchise Failure Rates

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

Primrose Schools Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)

0.0%
charge-off rate on 149 SBA 7(a) loans to Primrose Schools franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Primrose Schools against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Primrose Schools 0.0%; Child Day Care Services 4.5%; All franchises 10.2%Primrose Schools 0.0%; Child Day Care Services 4.5%; All franchises 10.2%0%2%4%6%8%10%Primrose Schools0.0%Child Day Care Services4.5%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Primrose Schools 0.0%; Child Day Care Services 4.5%; All franchises 10.2%Primrose Schools 0.0%; Child Day Care Services 4.5%; All franchises 10.2%0%2%4%6%8%10%Primrose Schools0.0%Child Day Care Services4.5%All franchises10.2%

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

None of the 149 Primrose Schools SBA borrowers in the sample failed to repay — well below the Child Day Care Services average of 4.5%.

Between 2010 and 2019, 149 Primrose Schools franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Child Day Care Services average of 4.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Primrose Schools franchise failure rate on SBA loans?

Primrose Schools is a Child Day Care 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 Primrose Schools franchisees: 149 loans approved between fiscal 2010 and 2019, of which 0 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 Primrose Schools compare with other Child Day Care Services franchises?

The table sets Primrose Schools's charge-off rate beside its Child Day Care 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.

Primrose Schools versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasurePrimrose SchoolsChild Day Care ServicesAll franchisesAll SBA borrowers
Default (charge-off) rate0.0%4.5%10.2%8.0%
Loans in sample149———
Defaults0———
Average loan size$2,727,680———

What has Primrose Schools SBA lending looked like since 2020?

Since 2020, Primrose Schools franchisees have taken 171 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 Primrose Schools 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: FY2011 0% of 3 loans; FY2012 0% of 3 loans; FY2013 0% of 9 loans; FY2014 0% of 22 loans; FY2015 0% of 32 loans; FY2016 0% of 26 loans; FY2017 0% of 22 loans; FY2018 0% of 16 loans; FY2019 0% of 16 loansCharge-off rate by approval year: FY2011 0% of 3 loans; FY2012 0% of 3 loans; FY2013 0% of 9 loans; FY2014 0% of 22 loans; FY2015 0% of 32 loans; FY2016 0% of 26 loans; FY2017 0% of 22 loans; FY2018 0% of 16 loans; FY2019 0% of 16 loans0%5%10%0%2011n=30%2012n=30%2013n=90%2014n=220%2015n=320%2016n=260%2017n=220%2018n=160%2019n=16
Charge-off rate by approval year: FY2011 0% of 3 loans; FY2012 0% of 3 loans; FY2013 0% of 9 loans; FY2014 0% of 22 loans; FY2015 0% of 32 loans; FY2016 0% of 26 loans; FY2017 0% of 22 loans; FY2018 0% of 16 loans; FY2019 0% of 16 loansCharge-off rate by approval year: FY2011 0% of 3 loans; FY2012 0% of 3 loans; FY2013 0% of 9 loans; FY2014 0% of 22 loans; FY2015 0% of 32 loans; FY2016 0% of 26 loans; FY2017 0% of 22 loans; FY2018 0% of 16 loans; FY2019 0% of 16 loans0%5%10%0%’11n=30%’12n=30%’13n=90%’14n=220%’15n=320%’16n=260%’17n=220%’18n=160%’19n=16

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 24; FY2021 38; FY2022 20; FY2023 23; FY2024 18; FY2025 25; FY2026 23Loans approved since 2020: FY2020 24; FY2021 38; FY2022 20; FY2023 23; FY2024 18; FY2025 25; FY2026 23242020382021202022232023182024252025232026
Loans approved since 2020: FY2020 24; FY2021 38; FY2022 20; FY2023 23; FY2024 18; FY2025 25; FY2026 23Loans approved since 2020: FY2020 24; FY2021 38; FY2022 20; FY2023 23; FY2024 18; FY2025 25; FY2026 2324’2038’2120’2223’2318’2425’2523’26

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2011300.0%
FY2012300.0%
FY2013900.0%
FY20142200.0%
FY20153200.0%
FY20162600.0%
FY20172200.0%
FY20181600.0%
FY20191600.0%
FY202024—outstanding
FY202138—outstanding
FY202220—outstanding
FY202323—outstanding
FY202418—outstanding
FY202525—outstanding
FY202623—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?

Primrose Schools's figure rests on 149 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 149 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Primrose Schools figure is recomputed from the public SBA FOIA file on each rebuild.

Frequently asked

What is Primrose Schools's franchise failure rate on SBA loans?
Between 2010 and 2019, 149 Primrose Schools franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Child Day Care Services average of 4.5%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Primrose Schools a safe franchise investment?
Between 2010–2019, Primrose Schools franchisees defaulted on SBA loans at 0.0% versus a 4.5% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Primrose Schools franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 149 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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