BN
SBA 7(a) franchise lending portfolio
BOKF, National Association
AVERAGE risk
- Total loans
- 80
- Loan volume
- $27.3M
- Avg loan size
- $341K
- Charge-off rate
- 14.3%
- vs 15.4% national avg
Defaults
11
Avg interest
5.43%
Franchises funded
64
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $797K | 0.0% (low risk) |
| Curves For Women | 3 | $158K | 0.0% (low risk) |
| Little Ceasar's Pizza | 3 | $379K | 33.3% (very high risk) |
| Golf U.s.a. (retail Golf Equip | 2 | $330K | 50.0% (very high risk) |
| Alta Mere Window Tinting & Aut | 2 | $222K | 100.0% (very high risk) |
| Quiznos | 2 | $261K | 50.0% (very high risk) |
| All Night Auto | 2 | $335K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 2 | $300K | 0.0% (low risk) |
| Huntington Learning Center | 2 | $155K | 50.0% (very high risk) |
| 1-800 Flowers | 2 | $450K | 0.0% (low risk) |
| The Goddard School | 2 | $1.5M | N/A |
| Dairy Queen | 1 | $125K | 0.0% (low risk) |
| P J's Coffee And Tea Cafe | 1 | $79K | 0.0% (low risk) |
| General Business Services | 1 | $30K | 0.0% (low risk) |
| Pizza Inn | 1 | $362K | 0.0% (low risk) |
| Holiday Inn | 1 | $731K | 0.0% (low risk) |
| Sonic | 1 | $100K | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 1 | $72K | 0.0% (low risk) |
| Computer Renaissance | 1 | $100K | 100.0% (very high risk) |
| Western Sizzlin Steak House | 1 | $300K | 0.0% (low risk) |
Lending volume by year
1'92
2
3
1
4
3'99
5
4
4
12
10'04
7
1
6
1
2'10
1
2
2
1
1'17
1
2
1
1
2'23
BOKF, National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$27.3M
Defaults11 of 80
Risk tierAVERAGE
Avg rate5.43%
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 BOKF, National Association originated?
- 80 loans totaling $27.3M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 BOKF, National Association fund the most?
- The “Top franchise exposures” table above lists the brands BOKF, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.