SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Rainbow International Restoration & Cleaning Franchise Failure Rate: 21.9% 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 5 Rainbow International Restoration & Cleaning SBA borrowers failed to repay — well above the Residential Remodelers average of 12.9%.
Between 2010 and 2019, 32 Rainbow International Restoration & Cleaning franchisees financed with SBA 7(a) loans. 7 defaulted — a 21.9% charge-off rate, 1.7x 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 Rainbow International Restoration & Cleaning franchise failure rate on SBA loans?
Rainbow International Restoration & Cleaning 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 Rainbow International Restoration & Cleaning franchisees: 32 loans approved between fiscal 2010 and 2019, of which 7 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 off7
- Charge-off rate21.9%
- Residential Remodelers franchise benchmark12.9%
- Brand vs industry1.7x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$233,453
How does Rainbow International Restoration & Cleaning compare with other Residential Remodelers franchises?
The table sets Rainbow International Restoration & Cleaning'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.
| Measure | Rainbow International Restoration & Cleaning | Residential Remodelers | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 21.9% | 12.9% | 10.2% | 8.0% |
| Loans in sample | 32 | — | — | — |
| Defaults | 7 | — | — | — |
| Average loan size | $233,453 | — | — | — |
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2013 | 3 | 0 | 0.0% |
| FY2014 | 2 | 0 | 0.0% |
| FY2015 | 5 | 1 | 20.0% |
| FY2016 | 13 | 5 | 38.5% |
| FY2017 | 4 | 1 | 25.0% |
| FY2018 | 5 | 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?
Rainbow International Restoration & Cleaning'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 Rainbow International Restoration & Cleaning figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 32 resolved loans — directional, not precise.
Frequently asked
- What is Rainbow International Restoration & Cleaning's franchise failure rate on SBA loans?
- Between 2010 and 2019, 32 Rainbow International Restoration & Cleaning franchisees financed with SBA 7(a) loans. 7 defaulted — a 21.9% charge-off rate, 1.7x the Residential Remodelers average of 12.9%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Rainbow International Restoration & Cleaning a safe franchise investment?
- Between 2010–2019, Rainbow International Restoration & Cleaning franchisees defaulted on SBA loans at 21.9% 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). Rainbow International Restoration & Cleaning franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 21.9% (7 of 32 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/rainbow-international-restoration-and-cleaning/ · Data & methodology · Download the dataset (CSV)