SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Reis & Irvy's Franchise Failure Rate: 13.0% 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 8 Reis & Irvy's SBA borrowers failed to repay — well above the Vending Machine Operators average of 7.8%.
Between 2010 and 2019, 23 Reis & Irvy's franchisees financed with SBA 7(a) loans. 3 defaulted — a 13.0% charge-off rate, 1.7x the Vending Machine Operators average of 7.8%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Reis & Irvy's franchise failure rate on SBA loans?
Reis & Irvy's is a Vending Machine Operators franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Reis & Irvy's franchisees: 23 loans approved between fiscal 2010 and 2019, of which 3 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–FY201923
- Charged off3
- Charge-off rate13.0%
- Vending Machine Operators franchise benchmark7.8%
- Brand vs industry1.7x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$209,387
- New SBA loans since 20201
- Early charge-offs since 20200
How does Reis & Irvy's compare with other Vending Machine Operators franchises?
The table sets Reis & Irvy's's charge-off rate beside its Vending Machine Operators 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 | Reis & Irvy's | Vending Machine Operators | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 13.0% | 7.8% | 10.2% | 8.0% |
| Loans in sample | 23 | — | — | — |
| Defaults | 3 | — | — | — |
| Average loan size | $209,387 | — | — | — |
What has Reis & Irvy's SBA lending looked like since 2020?
Since 2020, Reis & Irvy's franchisees have taken 1 new SBA 7(a) loan. None have charged off to date, though most remain outstanding and unresolved.
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.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2017 | 2 | 0 | 0.0% |
| FY2018 | 14 | 3 | 21.4% |
| FY2019 | 7 | 0 | 0.0% |
| FY2020 | 1 | — | 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?
Reis & Irvy's's figure rests on 23 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 23 resolved loans, one default moves the rate by about 4.3 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 Reis & Irvy's figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 23 resolved loans — directional, not precise.
Frequently asked
- What is Reis & Irvy's's franchise failure rate on SBA loans?
- Between 2010 and 2019, 23 Reis & Irvy's franchisees financed with SBA 7(a) loans. 3 defaulted — a 13.0% charge-off rate, 1.7x the Vending Machine Operators average of 7.8%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Reis & Irvy's a safe franchise investment?
- Between 2010–2019, Reis & Irvy's franchisees defaulted on SBA loans at 13.0% versus a 7.8% industry average. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Reis & Irvy's franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 13.0% (3 of 23 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/reis-and-irvys/ · Data & methodology · Download the dataset (CSV)