Franchise Failure Rates

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

Tutor Doctor Franchise Failure Rate: 36.2% SBA Loan Defaults (2010–2019 Federal Data)

36.2%
charge-off rate on 58 SBA 7(a) loans to Tutor Doctor franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Tutor Doctor against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Tutor Doctor 36.2%; Exam Preparation and Tutoring 15.3%; All franchises 10.2%Tutor Doctor 36.2%; Exam Preparation and Tutoring 15.3%; All franchises 10.2%0%10%20%30%Tutor Doctor36.2%Exam Preparation andTutoring15.3%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Tutor Doctor 36.2%; Exam Preparation and Tutoring 15.3%; All franchises 10.2%Tutor Doctor 36.2%; Exam Preparation and Tutoring 15.3%; All franchises 10.2%0%10%20%30%Tutor Doctor36.2%Exam Preparation and Tutoring15.3%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 3 Tutor Doctor SBA borrowers failed to repay — more than double the Exam Preparation and Tutoring average of 15.3%.

Between 2010 and 2019, 58 Tutor Doctor franchisees financed with SBA 7(a) loans. 21 defaulted — a 36.2% charge-off rate, 2.4x the Exam Preparation and Tutoring average of 15.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Tutor Doctor franchise failure rate on SBA loans?

Tutor Doctor is a Exam Preparation and Tutoring franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Tutor Doctor franchisees: 58 loans approved between fiscal 2010 and 2019, of which 21 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 Tutor Doctor compare with other Exam Preparation and Tutoring franchises?

The table sets Tutor Doctor's charge-off rate beside its Exam Preparation and Tutoring 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. A cell in red is more than twice the industry benchmark.

Tutor Doctor versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureTutor DoctorExam Preparation and TutoringAll franchisesAll SBA borrowers
Default (charge-off) rate36.2%15.3%10.2%8.0%
Loans in sample58———
Defaults21———
Average loan size$103,234———

What has Tutor Doctor SBA lending looked like since 2020?

Since 2020, Tutor Doctor franchisees have taken 12 new SBA 7(a) loans. 1 has already charged off. Early defaults on loans under six years old are notable — most SBA failures take longer to develop.

Charge-off rate by approval year — share of each fiscal year's Tutor Doctor 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: FY2010 100% of 1 loans; FY2011 0% of 2 loans; FY2012 0% of 1 loans; FY2013 50% of 2 loans; FY2014 0% of 1 loans; FY2015 20% of 5 loans; FY2016 36% of 11 loans; FY2017 29% of 17 loans; FY2018 70% of 10 loans; FY2019 25% of 8 loansCharge-off rate by approval year: FY2010 100% of 1 loans; FY2011 0% of 2 loans; FY2012 0% of 1 loans; FY2013 50% of 2 loans; FY2014 0% of 1 loans; FY2015 20% of 5 loans; FY2016 36% of 11 loans; FY2017 29% of 17 loans; FY2018 70% of 10 loans; FY2019 25% of 8 loans0%40%80%100%2010n=10%2011n=20%2012n=150%2013n=20%2014n=120%2015n=536%2016n=1129%2017n=1770%2018n=1025%2019n=8
Charge-off rate by approval year: FY2010 100% of 1 loans; FY2011 0% of 2 loans; FY2012 0% of 1 loans; FY2013 50% of 2 loans; FY2014 0% of 1 loans; FY2015 20% of 5 loans; FY2016 36% of 11 loans; FY2017 29% of 17 loans; FY2018 70% of 10 loans; FY2019 25% of 8 loansCharge-off rate by approval year: FY2010 100% of 1 loans; FY2011 0% of 2 loans; FY2012 0% of 1 loans; FY2013 50% of 2 loans; FY2014 0% of 1 loans; FY2015 20% of 5 loans; FY2016 36% of 11 loans; FY2017 29% of 17 loans; FY2018 70% of 10 loans; FY2019 25% of 8 loans0%40%80%100%’10n=10%’11n=20%’12n=150%’13n=20%’14n=120%’15n=536%’16n=1129%’17n=1770%’18n=1025%’19n=8

Loans approved since 2020, by fiscal year — counts only: 1 has charged off to date and most are still outstanding, so no rate is drawn.

Loans approved since 2020: FY2020 6; FY2021 4; FY2023 2Loans approved since 2020: FY2020 6; FY2021 4; FY2023 2620204202122023
Loans approved since 2020: FY2020 6; FY2021 4; FY2023 2Loans approved since 2020: FY2020 6; FY2021 4; FY2023 26’204’212’23

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY201011100.0%
FY2011200.0%
FY2012100.0%
FY20132150.0%
FY2014100.0%
FY20155120.0%
FY201611436.4%
FY201717529.4%
FY201810770.0%
FY20198225.0%
FY20206—outstanding
FY20214—outstanding
FY20232—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?

Tutor Doctor's figure rests on 58 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 58 resolved loans, one default moves the rate by about 1.7 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 Tutor Doctor figure is recomputed from the public SBA FOIA file on each rebuild.

Based on 58 resolved loans — directional, not precise.

Frequently asked

What is Tutor Doctor's franchise failure rate on SBA loans?
Between 2010 and 2019, 58 Tutor Doctor franchisees financed with SBA 7(a) loans. 21 defaulted — a 36.2% charge-off rate, 2.4x the Exam Preparation and Tutoring average of 15.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Tutor Doctor a safe franchise investment?
Between 2010–2019, Tutor Doctor franchisees defaulted on SBA loans at 36.2% versus a 15.3% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Tutor Doctor franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 36.2% (21 of 58 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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