GP
SBA 7(a) franchise lending portfolio
Great Plains National Bank
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $9.3M
- Avg loan size
- $582K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.83%
Franchises funded
13
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 2 | $265K | 0.0% (low risk) |
| La Quinta Inn | 2 | $4.6M | 0.0% (low risk) |
| Metal Supermarkets | 2 | $186K | 0.0% (low risk) |
| Tropical Smoothie | 1 | $186K | 0.0% (low risk) |
| Marble Slab Creamery | 1 | $251K | 0.0% (low risk) |
| Merle Norman Cosmetics | 1 | $55K | 0.0% (low risk) |
| Temporary Franchises | 1 | $93K | 0.0% (low risk) |
| Sears Catalog Store | 1 | $550K | 0.0% (low risk) |
| Magnolia Soap and Bath | 1 | $30K | N/A |
| Farmers Insurance Agent Appoin | 1 | $455K | N/A |
| Mr. Appliance | 1 | $375K | N/A |
| The Halal Guys | 1 | $350K | N/A |
| Maple Bear School | 1 | $1.9M | N/A |
Lending volume by year
1'05
3'06
1'09
1'10
3'11
1'20
2'21
1'23
3'25
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 Great Plains National Bank originated?
- 16 loans totaling $9.3M. 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 Great Plains National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Great Plains National 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.