SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Tim Hortons Franchise Failure Rate on SBA Loans: 0 of 18 Charged Off (Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
None of the 18 Tim Hortons SBA borrowers in the sample failed to repay — but 18 loans is too few to call a rate.
0 of 18 SBA 7(a) loans to Tim Hortons franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
What is the Tim Hortons franchise failure rate on SBA loans?
Tim Hortons is a Limited-Service Restaurants franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Tim Hortons franchisees: 18 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.
- SBA 7(a) loans approved FY2010–FY201918
- Charged off0
- Charge-off rate (small sample)0.0%
- Limited-Service Restaurants franchise benchmark10.3%
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$281,472
- New SBA loans since 20207
- Early charge-offs since 20200
How does Tim Hortons compare with other Limited-Service Restaurants franchises?
The table sets Tim Hortons's charge-off rate beside its Limited-Service Restaurants 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 | Tim Hortons | Limited-Service Restaurants | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 0.0% (small sample) | 10.3% | 10.2% | 8.0% |
| Loans in sample | 18 | — | — | — |
| Defaults | 0 | — | — | — |
| Average loan size | $281,472 | — | — | — |
What has Tim Hortons SBA lending looked like since 2020?
Since 2020, Tim Hortons franchisees have taken 7 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 |
|---|---|---|---|
| FY2013 | 3 | 0 | 0.0% |
| FY2014 | 3 | 0 | 0.0% |
| FY2015 | 9 | 0 | 0.0% |
| FY2017 | 2 | 0 | 0.0% |
| FY2018 | 1 | 0 | 0.0% |
| FY2020 | 2 | — | outstanding |
| FY2021 | 1 | — | outstanding |
| FY2024 | 3 | — | outstanding |
| FY2025 | 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?
Tim Hortons's figure rests on 18 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the count is a settled outcome, not a projection. With 18 resolved loans, one default moves the rate by about 5.6 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 Tim Hortons figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (18 loans). A single default moves this figure substantially.
Frequently asked
- What is Tim Hortons's franchise failure rate on SBA loans?
- 0 of 18 SBA 7(a) loans to Tim Hortons franchisees (2010–2019) ended in charge-off. The sample is small; treat this as a diligence flag, not a verdict. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
- Is Tim Hortons a safe franchise investment?
- Between 2010–2019, 0 of 18 SBA loans to Tim Hortons franchisees were charged off. The sample is small. This data is one input for due diligence; it is not investment advice.
Cite this page
Franchise Default Rates (2026). Tim Hortons franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 0 of 18 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/tim-hortons/ · Data & methodology · Download the dataset (CSV)