![Philly Soft Pretzel Factory logo](https://cdn.brandfetch.io/phillysoftpretzelfactory.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />)
D#4,373 of 5,063
24
Risk
D76/100
SBA Loan Data Only
This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.
SBA loans
78
Loan volume
$11.5M
Default rate
28.4%
vs <3% typical
Avg loan
$148K
Lenders
18
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
Total loans
78
Loan volume
$11.5M
Median loan
$150K
50th percentile
Default rate
28.4%
vs <3% typical · system-wide
Repayment rate (PIF)
71.6%
5-yr default
—
Loans approved 2021+
Active lenders
18
Defaults
21
Explore lender portfolios on Bank Reports or regional data on State Reports.
Vintage analysis
Philly Soft Pretzel Factory default rate by loan vintage
BrandNational avg
Lending insight
A 28.4% default rate means roughly 1 in 4 franchisees failed to repay their SBA loan. Investigate what changed.
FranchiseVerdict rating · based on SBA data
Risk & Legal
76
Risk · 0-100
D30Risk score 76
Low confidence±12 pts
6488