SBA 7(a) franchise lending portfolio
Busey Bank
- Total loans
- 190
- Loan volume
- $116.9M
- Avg loan size
- $615K
- Charge-off rate
- 11.8%
- vs 16.0% national
Charged off
18
Avg interest
6.43%
Franchises funded
142
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Culver's | 4 | $4.0M | N/A |
| Hounds Town USA | 4 | $2.3M | N/A |
| Servicemaster | 3 | $367K | N/A |
| Ace Hardware | 3 | $2.0M | N/A |
| Chemstation | 3 | $630K | N/A |
| Dairy Queen | 3 | $1.5M | N/A |
| Burger King | 3 | $1.1M | N/A |
| Paciugo | 3 | $731K | N/A |
| Paul Davis Restoration | 3 | $646K | N/A |
| The UPS Store (f/k/a Mail Box | 3 | $1.2M | N/A |
| Speedy Sign-O-Rama | 2 | $87K | N/A |
| Play It Again Sports (retail S | 2 | $121K | N/A |
| All Tune And Lube | 2 | $120K | N/A |
| Travelodge | 2 | $1.4M | N/A |
| Indy Lube Service Center | 2 | $883K | N/A |
| Harley Davidson | 2 | $4.4M | N/A |
| Century 21 | 2 | $971K | N/A |
| Schlotzsky's Sandwich Shop | 2 | $225K | N/A |
| Golf U.s.a. (retail Golf Equip | 2 | $440K | N/A |
| Super 8 Motel | 2 | $1.9M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 3 |
| FY1993 | 3 |
| FY1994 | 5 |
| FY1995 | 7 |
| FY1996 | 5 |
| FY1997 | 6 |
| FY1998 | 4 |
| FY1999 | 9 |
| FY2000 | 2 |
| FY2001 | 6 |
| FY2002 | 5 |
| FY2003 | 2 |
| FY2004 | 6 |
| FY2005 | 2 |
| FY2006 | 2 |
| FY2007 | 7 |
| FY2008 | 2 |
| FY2009 | 4 |
| FY2010 | 2 |
| FY2011 | 4 |
| FY2012 | 5 |
| FY2013 | 6 |
| FY2014 | 7 |
| FY2015 | 14 |
| FY2016 | 11 |
| FY2017 | 6 |
| FY2018 | 7 |
| FY2019 | 9 |
| FY2020 | 9 |
| FY2021 | 8 |
| FY2022 | 9 |
| FY2023 | 4 |
| FY2024 | 7 |
| FY2025 | 1 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Busey Bank: above all franchise loans in each of the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 3 | 0 | Too few |
| 1993 | 3 | 0 | Too few |
| 1994 | 5 | 0 | Too few |
| 1995 | 7 | 3 | Too few |
| 1996 | 5 | 1 | Too few |
| 1997 | 6 | 0 | Too few |
| 1998 | 4 | 0 | Too few |
| 1999 | 9 | 1 | Too few |
| 2001 | 6 | 0 | Too few |
| 2002 | 5 | 2 | Too few |
| 2004 | 6 | 0 | Too few |
| 2007 | 7 | 2 | Too few |
| 2009 | 4 | 1 | Too few |
| 2011 | 4 | 0 | Too few |
| 2012 | 5 | 0 | Too few |
| 2013 | 6 | 1 | Too few |
| 2014 | 7 | 0 | Too few |
| 2015 | 14 | 2 | 14.3% |
| 2016 | 11 | 3 | 27.3% |
| 2017 | 5 | 1 | Too few |
| 2018 | 7 | 0 | Too few |
| 2019 | 4 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
| 2022 | 3 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
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 Busey Bank originated?
- 190 loans totaling $116.9M. The portfolio carries a 11.8% 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. Busey Bank's rate of 11.8% 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 Busey Bank fund the most?
- The “Top franchise exposures” table above lists the brands Busey 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.