How often are FranchiseVerdict rankings updated?

We re-rank every time a brand's FDD year refreshes (typically annually). The list reflects each brand's most recent FDD, so filing years vary across rows.

Do franchisors pay for placement in FranchiseVerdict rankings?

No. FranchiseVerdict takes no money from franchisors. Inclusion and order are determined entirely by FDD filings and SBA 7(a) records.

What does a FranchiseVerdict ranking actually measure?

Each ranking sorts brands on a single metric (here: SBA charge-off). It's one signal — always cross-reference with other rankings and the verdict grade before treating the order as a recommendation.

Why are some franchise brands missing from the rankings?

Brands without the underlying metric populated are excluded. For revenue rankings, that means brands that didn't disclose Item 19. For SBA rankings, brands with fewer than 30 SBA 7(a) loans on file (where statistical reliability breaks down).

Ranking · top 50 of 555 eligible

Franchises with the Lowest SBA Charge-Off Rates

Brands with at least 30 SBA 7(a) loans on record and the lowest historical charge-off rates.

FranchiseVerdict Top revenue Lowest risk Fastest growing Lowest investment Best SBA performers

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How we rank these brands

We pull every brand with the underlying data populated (555 eligible for this ranking), score them on the sba charge-off metric, and show the top 50. No franchisor pays for placement — the order reflects only the published FDD and SBA records, normalized per our methodology.

Use this ranking as a research tool, not a buy list.

Gross sales are not profit.
Item 19 reporting methods vary by brand.
High revenue can require high capital.
SBA performance is one risk signal, not the whole picture.
Talk to current and former owners before investing.

Compare the top 3 side by side

Rank		Investment	SBA charge-off
01	Christian Brothers AutomotiveAStrongest tier Automotive	Investment $515K – $650K FDD '26	SBA charge-off 0.0%
02	Crumbl CookiesAStrongest tier Quick-Service Restaurants	Investment $849K – $1.5M FDD '26	SBA charge-off 0.0%
03	Nothing Bundt CakesAStrongest tier Quick-Service Restaurants	Investment $667K – $1.0M FDD '25	SBA charge-off 0.0%
04	Club PilatesAStrongest tier Health & Fitness	Investment $403K – $1.0M FDD '26	SBA charge-off 0.0%
05	Scooter’s CoffeeAStrongest tier Quick-Service Restaurants	Investment $895K – $1.4M FDD '25	SBA charge-off 0.0%
06	Planet FitnessAStrongest tier Health & Fitness	Investment $1.5M – $5.2M FDD '25	SBA charge-off 0.0%
07	D1 TrainingBAbove average Health & Fitness	Investment $402K – $837K FDD '26	SBA charge-off 0.0%
08	Gameday Men's HealthAStrongest tier Healthcare	Investment $225K – $410K FDD '25	SBA charge-off 0.0%
09	Visiting AngelsAStrongest tier Senior Care	Investment $125K – $171K FDD '25	SBA charge-off 0.0%
10	American Family CareAStrongest tier Healthcare	Investment $956K – $1.5M FDD '25	SBA charge-off 0.0%
11	CulliganAStrongest tier Home Services	Investment $130K – $816K FDD '26	SBA charge-off 0.0%
12	Culver'sAStrongest tier Quick-Service Restaurants	Investment $2.8M – $6.9M FDD '24	SBA charge-off 0.0%
13	The Back NineAStrongest tier Recreation & Entertainment	Investment $307K – $689K FDD '26	SBA charge-off 0.0%
14	BrightStar CareAStrongest tier Senior Care	Investment $128K – $220K FDD '26	SBA charge-off 0.0%
15	Goldfish Swim SchoolAStrongest tier Education	Investment $1.7M – $3.7M FDD '26	SBA charge-off 0.0%
16	School of RockAStrongest tier Education	Investment $425K – $705K FDD '25	SBA charge-off 0.0%
17	AlloyBAbove average Education	Investment $299K – $541K FDD '25	SBA charge-off 0.0%
18	Restore Hyper WellnessAStrongest tier Healthcare	Investment $777K – $1.3M FDD '25	SBA charge-off 0.0%
19	Smash My TrashAStrongest tier Cleaning & Maintenance	Investment $372K – $492K FDD '25	SBA charge-off 0.0%
20	FyzicalAStrongest tier Healthcare	Investment $168K – $419K FDD '25	SBA charge-off 0.0%
21	Jeremiah’s Italian IceAStrongest tier Quick-Service Restaurants	Investment $295K – $744K FDD '25	SBA charge-off 0.0%
22	EverLine Coatings and ServicesAStrongest tier Home Services	Investment $184K – $319K FDD '26	SBA charge-off 0.0%
23	redbox+AStrongest tier Business Services	Investment $671K – $1.1M FDD '26	SBA charge-off 0.0%
24	Fairfield by MarriottAStrongest tier Lodging	Investment $12.3M – $34.5M FDD '26	SBA charge-off 0.0%
25	ScenthoundAStrongest tier Healthcare	Investment $328K – $550K FDD '25	SBA charge-off 0.0%
26	Toppers PizzaAStrongest tier Quick-Service Restaurants	Investment $421K – $733K FDD '26	SBA charge-off 0.0%
27	Hounds Town USAAStrongest tier Pet Services	Investment $668K – $1.1M FDD '26	SBA charge-off 0.0%
28	CharleysAStrongest tier Quick-Service Restaurants	Investment $203K – $696K FDD '26	SBA charge-off 0.0%
29	Perspire Sauna StudioAStrongest tier Healthcare	Investment $566K – $990K FDD '25	SBA charge-off 0.0%
30	UnitsAStrongest tier Business Services	Investment $708K – $1.2M FDD '24	SBA charge-off 0.0%
31	PJ’s Coffee of New OrleansAStrongest tier Quick-Service Restaurants	Investment $915K – $1.7M FDD '25	SBA charge-off 0.0%
32	Hummus RepublicAStrongest tier Quick-Service Restaurants	Investment $228K – $659K FDD '26	SBA charge-off 0.0%
33	RestoProsAStrongest tier Cleaning & Maintenance	Investment $144K – $287K FDD '25	SBA charge-off 0.0%
34	Home2 Suites by HiltonAStrongest tier Lodging	Investment $18.1M – $26.6M FDD '26	SBA charge-off 0.0%
35	Eggs Up GrillAStrongest tier Full-Service Restaurants	Investment $822K – $1.1M FDD '26	SBA charge-off 0.0%
36	Children's LighthouseAStrongest tier Education	Investment $1.1M – $1.5M FDD '24	SBA charge-off 0.0%
37	Success On The SpectrumAStrongest tier Healthcare	Investment $321K – $848K FDD '25	SBA charge-off 0.0%
38	UbreakifixAStrongest tier Automotive	Investment $171K – $468K FDD '26	SBA charge-off 0.0%
39	Woodhouse SpaAStrongest tier Personal Care & Beauty	Investment $1.3M – $2.0M FDD '26	SBA charge-off 0.0%
40	Elements MassageAStrongest tier Personal Care & Beauty	Investment $567K – $1.1M FDD '26	SBA charge-off 0.0%
41	All DryBAbove average Cleaning & Maintenance	Investment $155K – $344K FDD '26	SBA charge-off 0.0%
42	CinnaholicBAbove average Quick-Service Restaurants	Investment $241K – $527K FDD '25	SBA charge-off 0.0%
43	Playa BowlsAStrongest tier Quick-Service Restaurants	Investment $256K – $1.0M FDD '25	SBA charge-off 0.0%
44	Prime IV Hydration & WellnessAStrongest tier Healthcare	Investment $191K – $632K FDD '25	SBA charge-off 0.0%
45	Vital CareAStrongest tier Healthcare	Investment $556K – $1.0M FDD '25	SBA charge-off 0.0%
46	BODYBAR PilatesCAverage Health & Fitness	Investment $390K – $759K FDD '25	SBA charge-off 0.0%
47	Superior Fence & RailAStrongest tier Home Services	Investment $134K – $278K FDD '26	SBA charge-off 0.0%
48	Voda Cleaning & RestorationCAverage Cleaning & Maintenance	Investment $207K – $377K FDD '26	SBA charge-off 0.0%
49	Ziggi’s CoffeeBAbove average Quick-Service Restaurants	Investment $587K – $1.8M FDD '26	SBA charge-off 0.0%
50	Blaze PizzaAStrongest tier Quick-Service Restaurants	Investment $757K – $1.3M FDD '26	SBA charge-off 0.0%

Sourced from FDD filings + SBA 7(a) disclosures · Updated when each brand's FDD year is refreshed

Rankings compare brands across FDD filing years (2017 to 2026). Revenue, investment, and unit count figures reflect each brand's most recent FDD, not a single common date. Check the FDD year shown on each brand's row or profile page for context.

Frequently asked questions

How often are rankings updated?: We re-rank every time a brand's FDD year refreshes (typically annually). The list reflects each brand's most recent FDD, which is why filing years vary across rows. The FDD year is shown on each brand's row so you can weight recency.
Do franchisors pay for placement?: No. FranchiseVerdict takes no money from franchisors. Brand inclusion and order are determined entirely by FDD filings and SBA 7(a) records, normalized per our methodology.
What does the rank really tell me?: The metric is one signal — not the whole picture. A brand ranking #1 on revenue might also have a high SBA charge-off rate or weak unit growth. Always cross-reference with the other rankings (and the verdict grade) before treating the order as a recommendation.
Why aren't all brands in this ranking?: Brands without the underlying metric populated are excluded. For revenue rankings, that means brands that didn't disclose Item 19. For SBA rankings, brands with no SBA 7(a) loan records (or fewer than 30 loans on file, where statistical reliability breaks down).

Browse all brands Open the Opportunity Matrix