SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026
Vitality Bowls Franchise Failure Rate on SBA Loans: 4 of 15 Charged Off (Federal Data)
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
4 of 15 Vitality Bowls SBA borrowers failed to repay — too few loans to call a rate; read it as a flag, not a verdict.
4 of 15 SBA 7(a) loans to Vitality Bowls 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 Vitality Bowls franchise failure rate on SBA loans?
Vitality Bowls 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 Vitality Bowls franchisees: 15 loans approved between fiscal 2010 and 2019, of which 4 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–FY201915
- Charged off4
- Charge-off rate (small sample)26.7%
- Limited-Service Restaurants franchise benchmark10.3%
- Brand vs industry2.6x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$229,613
- New SBA loans since 202021
- Early charge-offs since 20200
How does Vitality Bowls compare with other Limited-Service Restaurants franchises?
The table sets Vitality Bowls'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. A cell in red is more than twice the industry benchmark.
| Measure | Vitality Bowls | Limited-Service Restaurants | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 26.7% (small sample) | 10.3% | 10.2% | 8.0% |
| Loans in sample | 15 | — | — | — |
| Defaults | 4 | — | — | — |
| Average loan size | $229,613 | — | — | — |
What has Vitality Bowls SBA lending looked like since 2020?
Since 2020, Vitality Bowls franchisees have taken 21 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 |
|---|---|---|---|
| FY2015 | 1 | 0 | 0.0% |
| FY2016 | 3 | 0 | 0.0% |
| FY2017 | 5 | 2 | 40.0% |
| FY2018 | 5 | 2 | 40.0% |
| FY2019 | 1 | 0 | 0.0% |
| FY2020 | 6 | — | outstanding |
| FY2021 | 1 | — | outstanding |
| FY2022 | 2 | — | outstanding |
| FY2023 | 3 | — | outstanding |
| FY2024 | 3 | — | outstanding |
| FY2025 | 5 | — | outstanding |
| FY2026 | 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?
Vitality Bowls's figure rests on 15 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 15 resolved loans, one default moves the rate by about 6.7 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 Vitality Bowls figure is recomputed from the public SBA FOIA file on each rebuild.
Small sample (15 loans). A single default moves this figure substantially.
Frequently asked
- What is Vitality Bowls's franchise failure rate on SBA loans?
- 4 of 15 SBA 7(a) loans to Vitality Bowls 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 Vitality Bowls a safe franchise investment?
- Between 2010–2019, 4 of 15 SBA loans to Vitality Bowls 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). Vitality Bowls franchise SBA 7(a) loan outcomes, FY2010–FY2019 cohort: 4 of 15 loans charged off. Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/vitality-bowls/ · Data & methodology · Download the dataset (CSV)