Franchise Failure Rates

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

Wingstop Franchise Failure Rate: 0.0% SBA Loan Defaults (2010–2019 Federal Data)

0.0%
charge-off rate on 110 SBA 7(a) loans to Wingstop franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Wingstop against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Wingstop 0.0%; Limited-Service Restaurants 10.3%; All franchises 10.2%Wingstop 0.0%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%2%4%6%8%10%Wingstop0.0%Limited-ServiceRestaurants10.3%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Wingstop 0.0%; Limited-Service Restaurants 10.3%; All franchises 10.2%Wingstop 0.0%; Limited-Service Restaurants 10.3%; All franchises 10.2%0%2%4%6%8%10%Wingstop0.0%Limited-Service Restaurants10.3%All franchises10.2%

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

None of the 110 Wingstop SBA borrowers in the sample failed to repay — well below the Limited-Service Restaurants average of 10.3%.

Between 2010 and 2019, 110 Wingstop franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Limited-Service Restaurants average of 10.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Wingstop franchise failure rate on SBA loans?

Wingstop 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 Wingstop franchisees: 110 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.

How does Wingstop compare with other Limited-Service Restaurants franchises?

The table sets Wingstop'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.

Wingstop versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureWingstopLimited-Service RestaurantsAll franchisesAll SBA borrowers
Default (charge-off) rate0.0%10.3%10.2%8.0%
Loans in sample110———
Defaults0———
Average loan size$412,318———

What has Wingstop SBA lending looked like since 2020?

Since 2020, Wingstop franchisees have taken 39 new SBA 7(a) loans. None have charged off to date, though most remain outstanding and unresolved.

Charge-off rate by approval year — share of each fiscal year's Wingstop 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: FY2013 0% of 4 loans; FY2014 0% of 20 loans; FY2015 0% of 27 loans; FY2016 0% of 21 loans; FY2017 0% of 14 loans; FY2018 0% of 17 loans; FY2019 0% of 7 loansCharge-off rate by approval year: FY2013 0% of 4 loans; FY2014 0% of 20 loans; FY2015 0% of 27 loans; FY2016 0% of 21 loans; FY2017 0% of 14 loans; FY2018 0% of 17 loans; FY2019 0% of 7 loans0%5%10%0%2013n=40%2014n=200%2015n=270%2016n=210%2017n=140%2018n=170%2019n=7
Charge-off rate by approval year: FY2013 0% of 4 loans; FY2014 0% of 20 loans; FY2015 0% of 27 loans; FY2016 0% of 21 loans; FY2017 0% of 14 loans; FY2018 0% of 17 loans; FY2019 0% of 7 loansCharge-off rate by approval year: FY2013 0% of 4 loans; FY2014 0% of 20 loans; FY2015 0% of 27 loans; FY2016 0% of 21 loans; FY2017 0% of 14 loans; FY2018 0% of 17 loans; FY2019 0% of 7 loans0%5%10%0%’13n=40%’14n=200%’15n=270%’16n=210%’17n=140%’18n=170%’19n=7

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: FY2020 7; FY2021 17; FY2022 4; FY2023 3; FY2024 3; FY2025 3; FY2026 2Loans approved since 2020: FY2020 7; FY2021 17; FY2022 4; FY2023 3; FY2024 3; FY2025 3; FY2026 2720201720214202232023320243202522026
Loans approved since 2020: FY2020 7; FY2021 17; FY2022 4; FY2023 3; FY2024 3; FY2025 3; FY2026 2Loans approved since 2020: FY2020 7; FY2021 17; FY2022 4; FY2023 3; FY2024 3; FY2025 3; FY2026 27’2017’214’223’233’243’252’26

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

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY2013400.0%
FY20142000.0%
FY20152700.0%
FY20162100.0%
FY20171400.0%
FY20181700.0%
FY2019700.0%
FY20207—outstanding
FY202117—outstanding
FY20224—outstanding
FY20233—outstanding
FY20243—outstanding
FY20253—outstanding
FY20262—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?

Wingstop's figure rests on 110 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 110 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Wingstop figure is recomputed from the public SBA FOIA file on each rebuild.

Frequently asked

What is Wingstop's franchise failure rate on SBA loans?
Between 2010 and 2019, 110 Wingstop franchisees financed with SBA 7(a) loans. None defaulted — a 0.0% charge-off rate, against a Limited-Service Restaurants average of 10.3%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Wingstop a safe franchise investment?
Between 2010–2019, Wingstop franchisees defaulted on SBA loans at 0.0% versus a 10.3% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Wingstop franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 0.0% (0 of 110 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

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