Ranking · top 50

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, score them on the sba default 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 default
01		Christian Brothers AutomotiveATop Quintile Automotive	Investment $550K – $680K FDD '25	SBA default 0.0%
02		Nothing Bundt CakesATop Quintile Quick-Service Restaurants	Investment $667K – $1.0M FDD '25	SBA default 0.0%
03		Club PilatesATop Quintile Health & Fitness	Investment $385K – $839K FDD '25	SBA default 0.0%
04		Scooter’s CoffeeATop Quintile Quick-Service Restaurants	Investment $692K – $1.5M FDD '25	SBA default 0.0%
05		Planet FitnessATop Quintile Health & Fitness	Investment $1.5M – $5.2M FDD '25	SBA default 0.0%
06		D1 TrainingATop Quintile Health & Fitness	Investment $481K – $933K FDD '25	SBA default 0.0%
07		Gameday Men's HealthATop Quintile Healthcare	Investment $225K – $410K FDD '25	SBA default 0.0%
08		Visiting AngelsATop Quintile Senior Care	Investment $125K – $171K FDD '25	SBA default 0.0%
09		American Family CareATop Quintile Healthcare	Investment $956K – $1.5M FDD '25	SBA default 0.0%
10		CulliganBAbove Average Home Services	Investment $130K – $814K FDD '25	SBA default 0.0%
11		Culver'sATop Quintile Quick-Service Restaurants	Investment $2.8M – $6.9M FDD '24	SBA default 0.0%
12		BrightStar CareATop Quintile Senior Care	Investment $96K – $220K FDD '26	SBA default 0.0%
13		The Back NineATop Quintile Recreation & Entertainment	Investment $307K – $689K FDD '26	SBA default 0.0%
14		Goldfish Swim SchoolATop Quintile Education	Investment $1.7M – $3.7M FDD '26	SBA default 0.0%
15		School of RockATop Quintile Education	Investment $425K – $705K FDD '25	SBA default 0.0%
16		FYZICAL Therapy & Balance CentersATop Quintile Healthcare	Investment $64K – $519K FDD '26	SBA default 0.0%
17		Restore Hyper WellnessBAbove Average Healthcare	Investment $777K – $1.3M FDD '25	SBA default 0.0%
18		Smash My TrashATop Quintile Cleaning & Maintenance	Investment $372K – $492K FDD '25	SBA default 0.0%
19		Jeremiah’s Italian IceATop Quintile Quick-Service Restaurants	Investment $295K – $744K FDD '25	SBA default 0.0%
20		EverLine Coatings and ServicesATop Quintile Home Services	Investment $185K – $320K FDD '25	SBA default 0.0%
21		redbox+ATop Quintile Business Services	Investment $671K – $1.1M FDD '26	SBA default 0.0%
22		ScenthoundATop Quintile Healthcare	Investment $328K – $550K FDD '25	SBA default 0.0%
23		Toppers PizzaATop Quintile Quick-Service Restaurants	Investment $484K – $719K FDD '24	SBA default 0.0%
24		Hounds Town USAATop Quintile Pet Services	Investment $542K – $1.1M FDD '24	SBA default 0.0%
25		PJ’s Coffee of New OrleansATop Quintile Quick-Service Restaurants	Investment $263K – $1.7M FDD '25	SBA default 0.0%
26		UnitsATop Quintile Business Services	Investment $708K – $1.2M FDD '24	SBA default 0.0%
27		Perspire Sauna StudioATop Quintile Healthcare	Investment $566K – $990K FDD '25	SBA default 0.0%
28		Hummus RepublicATop Quintile Full-Service Restaurants	Investment $208K – $659K FDD '25	SBA default 0.0%
29		RestoProsATop Quintile Cleaning & Maintenance	Investment $144K – $417K FDD '25	SBA default 0.0%
30		Home2 Suites by HiltonATop Quintile Lodging	Investment $18.1M – $26.6M FDD '26	SBA default 0.0%
31		Eggs Up GrillATop Quintile Full-Service Restaurants	Investment $822K – $1.1M FDD '25	SBA default 0.0%
32		Success On The SpectrumATop Quintile Healthcare	Investment $321K – $848K FDD '25	SBA default 0.0%
33		Children's LighthouseATop Quintile Education	Investment $1.1M – $8.9M FDD '24	SBA default 0.0%
34		Ubreakifix By AsurionATop Quintile Home Services	Investment $171K – $468K FDD '26	SBA default 0.0%
35		Elements MassageATop Quintile Healthcare	Investment $471K – $694K FDD '24	SBA default 0.0%
36		CinnaholicCAverage Quick-Service Restaurants	Investment $241K – $527K FDD '25	SBA default 0.0%
37		Playa BowlsATop Quintile Quick-Service Restaurants	Investment $256K – $1.0M FDD '25	SBA default 0.0%
38		Prime IV Hydration & WellnessCAverage Healthcare	Investment $188K – $631K FDD '25	SBA default 0.0%
39		BODYBAR PilatesATop Quintile Health & Fitness	Investment $390K – $759K FDD '25	SBA default 0.0%
40		Vital CareATop Quintile Healthcare	Investment $556K – $1.0M FDD '25	SBA default 0.0%
41		Superior Fence & RailATop Quintile Home Services	Investment $134K – $278K FDD '26	SBA default 0.0%
42		Voda Cleaning & RestorationATop Quintile Cleaning & Maintenance	Investment $207K – $377K FDD '26	SBA default 0.0%
43		Ziggi’s CoffeeATop Quintile Quick-Service Restaurants	Investment $527K – $2.0M FDD '24	SBA default 0.0%
44		Charleys Philly SteaksATop Quintile Full-Service Restaurants	Investment $202K – $936K FDD '24	SBA default 0.0%
45		Blaze PizzaATop Quintile Full-Service Restaurants	Investment $667K – $1.1M FDD '25	SBA default 0.0%
46		Dirty Dough® CookiesATop Quintile Quick-Service Restaurants	Investment $154K – $510K FDD '25	SBA default 0.0%
47		SwthzATop Quintile Healthcare	Investment $570K – $1.2M FDD '25	SBA default 0.0%
48		beem® Light SaunaATop Quintile Healthcare	Investment $393K – $718K FDD '25	SBA default 0.0%
49		HteaoATop Quintile Quick-Service Restaurants	Investment $387K – $1.9M FDD '25	SBA default 0.0%
50		Jack in the BoxATop Quintile Quick-Service Restaurants	Investment $1.9M – $4.0M FDD '26	SBA default 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 10 loans on file, where statistical reliability breaks down).