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SBA 7(a) franchise lending portfolio
BOKF, National Association
Risk rating: Average
- Total loans
- 80
- Loan volume
- $27.3M
- Avg loan size
- $341K
- Charge-off rate
- 14.3%
- vs 16.0% national
Charged off
11
Avg interest
5.43%
Franchises funded
64
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Subway Sandwich Shop | 5 | $797K | N/A |
| Curves For Women | 3 | $158K | N/A |
| Little Ceasar's Pizza | 3 | $379K | N/A |
| Golf U.s.a. (retail Golf Equip | 2 | $330K | N/A |
| Alta Mere Window Tinting & Aut | 2 | $222K | N/A |
| Quiznos | 2 | $261K | N/A |
| All Night Auto | 2 | $335K | N/A |
| Baskin-Robbins 31 Ice Cream | 2 | $300K | N/A |
| Huntington Learning Center | 2 | $155K | N/A |
| 1-800 Flowers | 2 | $450K | N/A |
| The Goddard School | 2 | $1.5M | N/A |
| Dairy Queen | 1 | $125K | N/A |
| P J's Coffee And Tea Cafe | 1 | $79K | N/A |
| General Business Services | 1 | $30K | N/A |
| Pizza Inn | 1 | $362K | N/A |
| Holiday Inn | 1 | $731K | N/A |
| Sonic | 1 | $100K | N/A |
| Mail Boxes Etc. Usa | 1 | $72K | N/A |
| Computer Renaissance | 1 | $100K | N/A |
| Western Sizzlin Steak House | 1 | $300K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 1 |
| FY1995 | 2 |
| FY1996 | 3 |
| FY1997 | 1 |
| FY1998 | 4 |
| FY1999 | 3 |
| FY2000 | 5 |
| FY2001 | 4 |
| FY2002 | 4 |
| FY2003 | 12 |
| FY2004 | 10 |
| FY2005 | 7 |
| FY2006 | 1 |
| FY2007 | 6 |
| FY2008 | 1 |
| FY2010 | 2 |
| FY2011 | 1 |
| FY2014 | 2 |
| FY2015 | 2 |
| FY2016 | 1 |
| FY2017 | 1 |
| FY2018 | 1 |
| FY2019 | 2 |
| FY2020 | 1 |
| FY2022 | 1 |
| FY2023 | 2 |
SBA 7(a) · charge-off rate by approval year
BOKF, National Association: 3 of the 4 charge-offs in the rated years came from 2003 loans
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1996 | 3 | 1 | Too few |
| 1998 | 4 | 2 | Too few |
| 1999 | 3 | 0 | Too few |
| 2000 | 5 | 1 | Too few |
| 2001 | 4 | 1 | Too few |
| 2002 | 4 | 0 | Too few |
| 2003 | 12 | 3 | 25.0% |
| 2004 | 10 | 1 | 10.0% |
| 2005 | 7 | 0 | Too few |
| 2007 | 6 | 1 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. BOKF, National Association's rate of 14.3% is below the national rate.
- 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.