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

Household Appliance Stores Franchise Failure Rates: SBA Loan Defaults for 1 Brands

Household Appliance Stores franchises charged off 10.2% of SBA 7(a) loans approved FY2010–FY2019, versus 10.2% for all franchises and 8.0% for all SBA borrowers. This page tracks 1 brand: Sears Authorized Hometown Stores (f/k/a Sears, with a default rate of 26.7%. Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

How do Household Appliance Stores franchises perform on SBA loans?

Across the 1 Household Appliance Stores brand tracked here, 15 SBA 7(a) loans were approved between fiscal 2010 and 2019 and 4 were charged off — a pooled rate of 26.7% for these brands against a 10.2% benchmark for all Household Appliance Stores franchise loans. 0 brands with 20+ loans ran at more than twice the industry benchmark; 0 brands with 40+ loans recorded zero defaults. Statuses as of June 30, 2026.

• Brands tracked1
• SBA 7(a) loans, FY2010–201915
• Charged off4
• Pooled rate, these brands26.7%
• Household Appliance Stores benchmark (all franchise loans)10.2%
• All-franchise benchmark10.2%
• All SBA borrowers8.0%
• Lowest rateSears Authorized Hometown Stores (f/k/a Sears · 26.7%
• Highest rateSears Authorized Hometown Stores (f/k/a Sears · 26.7%

Which Household Appliance Stores franchise brands have the highest and lowest SBA default rates?

Every Household Appliance Stores brand with at least five resolved SBA 7(a) loans, sorted from highest to lowest default rate. Click a column heading to re-sort; use the filter to find a brand.

* Small sample (5–19 loans): rate shown for completeness; treat as a diligence flag, not a verdict. Loans since 2020 and early charge-offs are counts only — that cohort is too young for a rate.