AB
SBA 7(a) franchise lending portfolio
Arvest Bank
ELEVATED risk
- Total loans
- 218
- Loan volume
- $57.2M
- Avg loan size
- $262K
- Charge-off rate
- 16.4%
- vs 15.4% national avg
Defaults
28
Avg interest
5.98%
Franchises funded
150
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 9 | $752K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 8 | $971K | 25.0% (very high risk) |
| Simple Simon's Pizza | 5 | $295K | 0.0% (low risk) |
| Great Clips | 5 | $1.2M | 0.0% (low risk) |
| Curves For Women | 4 | $298K | 0.0% (low risk) |
| Daylight Donut Shop | 4 | $857K | 33.3% (very high risk) |
| Ott's Pasta | 3 | $110K | 33.3% (very high risk) |
| A & W Restaurant | 3 | $460K | 33.3% (very high risk) |
| Post Net | 3 | $419K | 33.3% (very high risk) |
| Fantastic Sam's | 3 | $261K | 0.0% (low risk) |
| Domino's Pizza | 3 | $1.7M | 0.0% (low risk) |
| Farmers Insurance Agent Appoin | 3 | $233K | 33.3% (very high risk) |
| Kitchen Tune Up | 3 | $150K | 0.0% (low risk) |
| Massage Heights | 3 | $2.7M | N/A |
| Mercury Marine Dealer Sales an | 3 | $1.3M | N/A |
| Holiday Inn Express | 2 | $2.4M | 0.0% (low risk) |
| Blimpie | 2 | $154K | 100.0% (very high risk) |
| Radio Shack | 2 | $75K | 100.0% (very high risk) |
| Comet One-Hour Dry Cleaners | 2 | $353K | 0.0% (low risk) |
| Gingiss Formal Wear | 2 | $225K | 0.0% (low risk) |
Lending volume by year
2'92
5
7
15
6
10'98
1
4
4
6
6'03
10
8
2
3
5'08
2
4
3
6
3'13
9
12
10
7
6'18
7
15
11
12
6'23
6
5'25
Arvest Bank charge-off rate by loan vintage
BrandNational avg
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Arvest Bank originated?
- 218 loans totaling $57.2M. The portfolio carries a 16.4% charge-off rate, earning a “ELEVATED” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Arvest Bank fund the most?
- The “Top franchise exposures” table above lists the brands Arvest Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.