Ranking · top 50 of 457 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.

How we rank these brands

We pull every brand with the underlying data populated (457 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.

Rank	Brand		Investment	SBA charge-off
01		Christian Brothers AutomotiveAStrongest tier Automotive	Investment $515K – $650K FDD '26	SBA charge-off 0.0% · 295 loans
02		Nothing Bundt CakesAStrongest tier Quick-Service Restaurants	Investment $667K – $907K FDD '25	SBA charge-off 0.0% · 283 loans
03		Club PilatesAStrongest tier Health & Fitness	Investment $403K – $1.0M FDD '26	SBA charge-off 0.0% · 251 loans
04		Scooter’s CoffeeAStrongest tier Quick-Service Restaurants	Investment $955K – $1.5M FDD '25	SBA charge-off 0.0% · 235 loans
05		Visiting AngelsAStrongest tier Senior Care	Investment $125K – $171K FDD '26	SBA charge-off 0.0% · 138 loans
06		Culver'sAStrongest tier Quick-Service Restaurants	Investment $2.8M – $6.9M FDD '24	SBA charge-off 0.0% · 114 loans
07		Goldfish Swim SchoolAStrongest tier Education	Investment $1.7M – $3.7M FDD '26	SBA charge-off 0.0% · 106 loans
08		School of RockAStrongest tier Education	Investment $425K – $705K FDD '25	SBA charge-off 0.0% · 104 loans
09		Smash My TrashAStrongest tier Cleaning & Maintenance	Investment $372K – $492K FDD '25	SBA charge-off 0.0% · 101 loans
10		FyzicalAStrongest tier Healthcare	Investment $168K – $419K FDD '25	SBA charge-off 0.0% · 95 loans
11		redbox+BAbove average Business Services	Investment $671K – $1.1M FDD '26	SBA charge-off 0.0% · 90 loans
12		ScenthoundAStrongest tier Healthcare	Investment $328K – $550K FDD '25	SBA charge-off 0.0% · 84 loans
13		Toppers PizzaAStrongest tier Quick-Service Restaurants	Investment $421K – $733K FDD '26	SBA charge-off 0.0% · 79 loans
14		Hounds Town USAAStrongest tier Pet Services	Investment $668K – $1.1M FDD '26	SBA charge-off 0.0% · 76 loans
15		UnitsAStrongest tier Business Services	Investment $733K – $1.3M FDD '25	SBA charge-off 0.0% · 70 loans
16		Eggs Up GrillAStrongest tier Full-Service Restaurants	Investment $822K – $1.1M FDD '26	SBA charge-off 0.0% · 64 loans
17		Success On The SpectrumAStrongest tier Healthcare	Investment $321K – $848K FDD '25	SBA charge-off 0.0% · 63 loans
18		Elements MassageAStrongest tier Personal Care & Beauty	Investment $567K – $1.1M FDD '26	SBA charge-off 0.0% · 59 loans
19		All DryBAbove average Cleaning & Maintenance	Investment $155K – $344K FDD '26	SBA charge-off 0.0% · 59 loans
20		Playa BowlsAStrongest tier Quick-Service Restaurants	Investment $256K – $1.0M FDD '25	SBA charge-off 0.0% · 57 loans
21		BODYBAR PilatesBAbove average Health & Fitness	Investment $390K – $759K FDD '25	SBA charge-off 0.0% · 56 loans
22		Prime IV Hydration & WellnessAStrongest tier Healthcare	Investment $191K – $632K FDD '25	SBA charge-off 0.0% · 56 loans
23		Ziggi’s CoffeeBAbove average Quick-Service Restaurants	Investment $587K – $1.8M FDD '26	SBA charge-off 0.0% · 54 loans
24		beem® Light SaunaBAbove average Healthcare	Investment $393K – $718K FDD '25	SBA charge-off 0.0% · 48 loans
25		HteaoAStrongest tier Quick-Service Restaurants	Investment $387K – $1.9M FDD '25	SBA charge-off 0.0% · 47 loans
26		Benjamin Franklin PlumbingAStrongest tier Home Services	Investment $129K – $270K FDD '24	SBA charge-off 0.0% · 46 loans
27		It’s Boba TimeAStrongest tier Quick-Service Restaurants	Investment $466K – $597K FDD '25	SBA charge-off 0.0% · 45 loans
28		ToastiqueAStrongest tier Quick-Service Restaurants	Investment $471K – $891K FDD '26	SBA charge-off 0.0% · 43 loans
29		Ivybrook AcademyAStrongest tier Education	Investment $541K – $870K FDD '25	SBA charge-off 0.0% · 43 loans
30		SweathouzAStrongest tier Personal Care & Beauty	Investment $632K – $1.3M FDD '26	SBA charge-off 0.0% · 42 loans
31		Lightbridge AcademyAStrongest tier Education	Investment $1.0M – $2.7M FDD '25	SBA charge-off 0.0% · 41 loans
32		The DripbarBAbove average Healthcare	Investment $147K – $415K FDD '25	SBA charge-off 0.0% · 40 loans
33		Celebree SchoolAStrongest tier Education	Investment $1.0M – $1.4M FDD '26	SBA charge-off 0.0% · 40 loans
34		CarstarAStrongest tier Automotive	Investment $298K – $804K FDD '25	SBA charge-off 0.0% · 40 loans
35		Body20BAbove average Health & Fitness	Investment $309K – $473K FDD '26	SBA charge-off 0.0% · 39 loans
36		Heroes Lawn CareBAbove average Home Services	Investment $159K – $215K FDD '25	SBA charge-off 0.0% · 39 loans
37		Home Helpers Home CareAStrongest tier Senior Care	Investment $113K – $162K FDD '24	SBA charge-off 0.0% · 39 loans
38		Pure GreenBAbove average Quick-Service Restaurants	Investment $177K – $494K FDD '25	SBA charge-off 0.0% · 38 loans
39		bb.q ChickenAStrongest tier Full-Service Restaurants	Investment $661K – $1.3M FDD '25	SBA charge-off 0.0% · 38 loans
40		Stretch ZoneAStrongest tier Healthcare	Investment $143K – $305K FDD '26	SBA charge-off 0.0% · 35 loans
41		Bumble Bee BlindsAStrongest tier Home Services	Investment $165K – $211K FDD '25	SBA charge-off 0.0% · 35 loans
42		Amada Senior CareAStrongest tier Senior Care	Investment $118K – $430K FDD '25	SBA charge-off 0.0% · 34 loans
43		ScreenmobileAStrongest tier Home Services	Investment $148K – $210K FDD '26	SBA charge-off 0.0% · 34 loans
44		EscapologyAStrongest tier Recreation & Entertainment	Investment $631K – $2.5M FDD '26	SBA charge-off 0.0% · 32 loans
45		City WideAStrongest tier Business Services	Investment $230K – $411K FDD '26	SBA charge-off 0.0% · 32 loans
46		Ameriprise Financial Services, LLC Independent Advisor BusinessAStrongest tier Financial Services	Investment $10K – $138K FDD '26	SBA charge-off 0.3% · 473 loans
47		Wendy'sAStrongest tier Quick-Service Restaurants	Investment $1.6M – $3.1M FDD '26	SBA charge-off 0.8% · 200 loans
48		Econo LodgeBAbove average Lodging	Investment $175K – $955K FDD '24	SBA charge-off 1.1% · 121 loans
49		Baymont Inn & SuitesAStrongest tier Lodging	Investment $232K – $4.2M FDD '26	SBA charge-off 1.5% · 84 loans
50		KoaAStrongest tier Lodging	Investment $5.0M – $16.4M FDD '25	SBA charge-off 1.5% · 76 loans

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).