SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Rocky Mountain Chocolate Factory 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 Rocky Mountain Chocolate Factory SBA borrowers failed to repay — above the Confectionery and Nut Stores average of 9.7%.
Between 2010 and 2019, 23 Rocky Mountain Chocolate Factory franchisees financed with SBA 7(a) loans. 3 defaulted — a 13.0% charge-off rate, 1.3x the Confectionery and Nut Stores average of 9.7%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Rocky Mountain Chocolate Factory franchise failure rate on SBA loans?
Rocky Mountain Chocolate Factory is a Confectionery and Nut Stores franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Rocky Mountain Chocolate Factory 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%
- Confectionery and Nut Stores franchise benchmark9.7%
- Brand vs industry1.3x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$189,805
- New SBA loans since 202012
- Early charge-offs since 20200
How does Rocky Mountain Chocolate Factory compare with other Confectionery and Nut Stores franchises?
The table sets Rocky Mountain Chocolate Factory's charge-off rate beside its Confectionery and Nut Stores 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 | Rocky Mountain Chocolate Factory | Confectionery and Nut Stores | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 13.0% | 9.7% | 10.2% | 8.0% |
| Loans in sample | 23 | — | — | — |
| Defaults | 3 | — | — | — |
| Average loan size | $189,805 | — | — | — |
What has Rocky Mountain Chocolate Factory SBA lending looked like since 2020?
Since 2020, Rocky Mountain Chocolate Factory franchisees have taken 12 new SBA 7(a) loans. 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 |
|---|---|---|---|
| FY2010 | 3 | 0 | 0.0% |
| FY2011 | 3 | 0 | 0.0% |
| FY2012 | 2 | 0 | 0.0% |
| FY2013 | 4 | 1 | 25.0% |
| FY2014 | 1 | 0 | 0.0% |
| FY2015 | 2 | 0 | 0.0% |
| FY2016 | 2 | 0 | 0.0% |
| FY2017 | 3 | 2 | 66.7% |
| FY2018 | 2 | 0 | 0.0% |
| FY2019 | 1 | 0 | 0.0% |
| FY2021 | 1 | — | outstanding |
| FY2022 | 3 | — | outstanding |
| FY2023 | 4 | — | outstanding |
| FY2024 | 2 | — | outstanding |
| FY2026 | 2 | — | 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?
Rocky Mountain Chocolate Factory'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 Rocky Mountain Chocolate Factory figure is recomputed from the public SBA FOIA file on each rebuild.
Based on 23 resolved loans — directional, not precise.
Frequently asked
- What is Rocky Mountain Chocolate Factory's franchise failure rate on SBA loans?
- Between 2010 and 2019, 23 Rocky Mountain Chocolate Factory franchisees financed with SBA 7(a) loans. 3 defaulted — a 13.0% charge-off rate, 1.3x the Confectionery and Nut Stores average of 9.7%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Rocky Mountain Chocolate Factory a safe franchise investment?
- Between 2010–2019, Rocky Mountain Chocolate Factory franchisees defaulted on SBA loans at 13.0% versus a 9.7% industry average. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Rocky Mountain Chocolate Factory 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/rocky-mountain-chocolate-factory/ · Data & methodology · Download the dataset (CSV)