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Franchise · SBA lending record

ORANGE LEAF FROZEN YOGURT: how 91 SBA-financed owners actually did

Limited-Service Restaurants · 95 units financed with SBA 7(a) loans since 2010 · 45 lenders have funded this brand.

27 of 91 owners defaulted on their SBA loan

That is 18.8% — roughly 6 times the 3.0% typical of comparable brands. It does not make this a bad business. It makes it an expensive one to finance, and it is why fewer banks will lend on it.

Units financed

SBA 7(a), 2010 onward

Old enough to judge

loans at least 7 years old

Defaulted

charged off within 7 years

Default rate

18.8%

comparable brands 3.0%

Typical loan

$246k

$35k–$356k

How this brand compares

share of loan dollars charged off within 7 years

ORANGE LEAF FROZEN YOGURT

18.8%

Comparable brands, typical

3.0%

SUBWAY SANDWICH SHOP

3.2%

JIMMY JOHN'S

3.2%

FIREHOUSE SUBS

4.2%

All SBA 7(a) loans

2.1%

Franchise disclosure documents are not required to tell you how many owners failed. This is computed from the federal record of every SBA loan made to this brand, so it is the outcome, not the pitch.

Source SBA 7(a) FOIA, franchise field Released 2026-06-30 Sample 91 loans at least 7 years old Method dollar-weighted, grouped by year approved

When owners got into trouble

share of failures by year

Year 2

Year 3

10%

Year 4

23%

Year 5

33%

Year 6+

30%

Failures usually cluster once the opening cash is spent and the first rent increase lands. Plan working capital for that window, not for month one.

Who still lends on it

last two fiscal years

Lender	Units funded
Lexicon Bank	1

Fewer active lenders means less competition on your rate, and a harder time if the first bank declines.

Each year's owners, as they aged

cumulative % of loan dollars charged off

Opened	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
2013	0.0	0.0	7.3	14.3	18.9	18.9	18.9	18.9	18.9	18.9
2014	0.0	0.0	0.0	1.9	14.6	16.2	19.1	20.7	20.7	20.7

12%+▨ too recent to know

Each row is one year's crop of new owners. Read across to watch them age; read down a column to compare different years at the same point in their life. Blank cells are simply too recent to know.

Brands worth comparing against this one

WINGSTOP · 0.0%WHICH WICH · 10.5%Cold Stone Creamery · 0.3%PAPA JOHN'S PIZZA · 8.5%TEMPORARY FRANCHISES · 2.8%MELLOW MUSHROOM · 1.9%Baskin-Robbins · 4.8%THE PITA PIT · 12.9%

A default rate only means something next to its neighbours. These are the brands yours is being compared against.

Before you sign anything

This page tells you how past owners fared with SBA debt. It does not tell you whether this brand suits you, what the territory looks like, or how the franchisor behaves. Ask for Item 19, talk to at least five current franchisees and two who left, and run your own numbers.

Check whether the numbers work → What the SBA Franchise Directory is →