CF
SBA 7(a) franchise lending portfolio
Capitol Federal Savings Bank
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $9.5M
- Avg loan size
- $597K
- Charge-off 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% (low risk) |
| Paul Davis Restoration | 2 | $2.1M | 0.0% (low risk) |
| The New York Butcher Shoppe | 2 | $1.7M | N/A |
| Pizza Street | 1 | $136K | 0.0% (low risk) |
| Aqueous Vapor | 1 | $80K | 0.0% (low risk) |
| Quiznos | 1 | $277K | 0.0% (low risk) |
| Dickey's Barbeque | 1 | $317K | 0.0% (low risk) |
| Burgerim | 1 | $205K | 0.0% (low risk) |
| Martinizing Dry Cleaning | 1 | $129K | N/A |
| Primp and Blow | 1 | $126K | N/A |
| barre3 | 1 | $60K | 0.0% (low risk) |
| Running Boards Marketing | 1 | $252K | 0.0% (low risk) |
| World Fuel Services, Inc. Fuel | 1 | $600K | N/A |
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
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 Capitol Federal Savings Bank originated?
- 16 loans totaling $9.5M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Capitol Federal Savings Bank fund the most?
- The “Top franchise exposures” table above lists the brands Capitol Federal Savings 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.