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SBA 7(a) franchise lending portfolio
Capitol Federal Savings Bank
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $9.5M
- Avg loan size
- $597K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.59%
Franchises funded
13
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| H&r Block | 2 | $3.6M | 0.0% |
| Paul Davis Restoration | 2 | $2.1M | 0.0% |
| The New York Butcher Shoppe | 2 | $1.7M | — |
| Pizza Street | 1 | $136K | 0.0% |
| Aqueous Vapor | 1 | $80K | 0.0% |
| Quiznos | 1 | $277K | 0.0% |
| Dickey's Barbeque | 1 | $317K | 0.0% |
| Burgerim | 1 | $205K | 0.0% |
| Martinizing Dry Cleaning | 1 | $129K | — |
| Primp and Blow | 1 | $126K | — |
| barre3 | 1 | $60K | 0.0% |
| Running Boards Marketing | 1 | $252K | 0.0% |
| World Fuel Services, Inc. Fuel | 1 | $600K | — |
Lending volume by year
1'09
1'11
1'13
3'15
2'16
1'18
2'20
3'22
2'25
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).