Franchise Failure Rates

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

TCBY Franchise Failure Rate: 6.1% SBA Loan Defaults (2010–2019 Federal Data)

6.1%
charge-off rate on 33 SBA 7(a) loans to TCBY franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — TCBY against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: TCBY 6.1%; Snack and Nonalcoholic Beverage Bars 10.1%; All franchises 10.2%TCBY 6.1%; Snack and Nonalcoholic Beverage Bars 10.1%; All franchises 10.2%0%2%4%6%8%10%TCBY6.1%Snack and NonalcoholicBeverage Bars10.1%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: TCBY 6.1%; Snack and Nonalcoholic Beverage Bars 10.1%; All franchises 10.2%TCBY 6.1%; Snack and Nonalcoholic Beverage Bars 10.1%; All franchises 10.2%0%2%4%6%8%10%TCBY6.1%Snack and Nonalcoholic Beverage Bars10.1%All franchises10.2%

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

About 1 in 16 TCBY SBA borrowers failed to repay — well below the Snack and Nonalcoholic Beverage Bars average of 10.1%.

Between 2010 and 2019, 33 TCBY franchisees financed with SBA 7(a) loans. 2 defaulted — a 6.1% charge-off rate, 0.6x 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 TCBY franchise failure rate on SBA loans?

TCBY 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 TCBY franchisees: 33 loans approved between fiscal 2010 and 2019, of which 2 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 TCBY compare with other Snack and Nonalcoholic Beverage Bars franchises?

The table sets TCBY'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.

TCBY versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureTCBYSnack and Nonalcoholic Beverage BarsAll franchisesAll SBA borrowers
Default (charge-off) rate6.1%10.1%10.2%8.0%
Loans in sample33———
Defaults2———
Average loan size$231,048———

What has TCBY SBA lending looked like since 2020?

Since 2020, TCBY franchisees have taken 1 new SBA 7(a) loan. None have charged off to date, though most remain outstanding and unresolved.

Charge-off rate by approval year — share of each fiscal year's TCBY 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 4 loans; FY2012 17% of 6 loans; FY2013 0% of 7 loans; FY2014 14% of 7 loans; FY2015 0% of 8 loans; FY2016 0% of 1 loansCharge-off rate by approval year: FY2011 0% of 4 loans; FY2012 17% of 6 loans; FY2013 0% of 7 loans; FY2014 14% of 7 loans; FY2015 0% of 8 loans; FY2016 0% of 1 loans0%5%10%0%2011n=417%2012n=60%2013n=714%2014n=70%2015n=80%2016n=1
Charge-off rate by approval year: FY2011 0% of 4 loans; FY2012 17% of 6 loans; FY2013 0% of 7 loans; FY2014 14% of 7 loans; FY2015 0% of 8 loans; FY2016 0% of 1 loansCharge-off rate by approval year: FY2011 0% of 4 loans; FY2012 17% of 6 loans; FY2013 0% of 7 loans; FY2014 14% of 7 loans; FY2015 0% of 8 loans; FY2016 0% of 1 loans0%5%10%0%’11n=417%’12n=60%’13n=714%’14n=70%’15n=80%’16n=1

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: FY2023 1Loans approved since 2020: FY2023 112023
Loans approved since 2020: FY2023 1Loans approved since 2020: FY2023 11’23

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2011400.0%
FY20126116.7%
FY2013700.0%
FY20147114.3%
FY2015800.0%
FY2016100.0%
FY20231—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?

TCBY's figure rests on 33 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 33 resolved loans, one default moves the rate by about 3.0 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 TCBY figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 33 resolved loans — directional, not precise.

Frequently asked

What is TCBY's franchise failure rate on SBA loans?
Between 2010 and 2019, 33 TCBY franchisees financed with SBA 7(a) loans. 2 defaulted — a 6.1% charge-off rate, 0.6x 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 TCBY a safe franchise investment?
Between 2010–2019, TCBY franchisees defaulted on SBA loans at 6.1% 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). TCBY franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 6.1% (2 of 33 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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