BB
SBA 7(a) franchise lending portfolio
Branson Bank
CRITICAL risk
- Total loans
- 10
- Loan volume
- $2.9M
- Avg loan size
- $286K
- Charge-off rate
- 50.0%
- vs 15.4% national avg
Defaults
3
Avg interest
6.75%
Franchises funded
6
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| DQ Grill & Chill Operating Agr | 3 | $1.7M | 0.0% (low risk) |
| Conoco Service Station | 2 | $125K | 100.0% (very high risk) |
| Bingbox - License Agreement | 2 | $200K | N/A |
| Radio Shack | 1 | $225K | 100.0% (very high risk) |
| Mr. Rooter | 1 | $85K | 0.0% (low risk) |
| Sir Speedy | 1 | $495K | N/A |
Lending volume by year
2'01
1'07
1'18
2'19
1'21
1'22
1'24
1'25
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 Branson Bank originated?
- 10 loans totaling $2.9M. The portfolio carries a 50.0% charge-off rate, earning a “CRITICAL” 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 Branson Bank fund the most?
- The “Top franchise exposures” table above lists the brands Branson 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.