IB
SBA 7(a) franchise lending portfolio
INTRUST Bank, National Association
GOOD risk
- Total loans
- 80
- Loan volume
- $18.3M
- Avg loan size
- $229K
- Charge-off rate
- 8.6%
- vs 15.4% national avg
Defaults
6
Avg interest
5.72%
Franchises funded
47
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Dairy Queen | 7 | $1.4M | 0.0% (low risk) |
| Mail Boxes Etc. Usa | 4 | $350K | 50.0% (very high risk) |
| Ubreakifix | 4 | $250K | 0.0% (low risk) |
| Color Tyme | 3 | $708K | 66.7% (very high risk) |
| Freddy's Frozen Custard | 3 | $1.8M | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 3 | $754K | 0.0% (low risk) |
| Matco Tools (rent Tools) | 2 | $91K | 50.0% (very high risk) |
| Mr. Goodcents Sub' And Pasta | 2 | $990K | 0.0% (low risk) |
| Chrysler | 2 | $140K | 0.0% (low risk) |
| UPS Store | 2 | $180K | 0.0% (low risk) |
| Rhea Lana | 2 | $50K | 0.0% (low risk) |
| Mr. Goodcents Subs & Pastas | 2 | $200K | 0.0% (low risk) |
| The UPS Store | 2 | $200K | 0.0% (low risk) |
| Dairy Queen Frozen Treat Cente | 2 | $1.5M | 0.0% (low risk) |
| Firehouse Subs | 2 | $620K | 0.0% (low risk) |
| Servicemaster | 2 | $150K | 0.0% (low risk) |
| Plato's Closet | 2 | $483K | 0.0% (low risk) |
| Allstate Insurance | 2 | $125K | 0.0% (low risk) |
| Burn Boot Camp Fitness | 2 | $241K | 0.0% (low risk) |
| Medi-Weightloss | 2 | $118K | 0.0% (low risk) |
Lending volume by year
4'92
7
1
2
3
1'99
1
1
1
1
1'06
4
2
4
1
4'11
2
4
4
5
10'16
3
4
4
1
3'22
2'25
INTRUST Bank, National Association charge-off rate by loan vintage
BrandNational avg
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 INTRUST Bank, National Association originated?
- 80 loans totaling $18.3M. The portfolio carries a 8.6% charge-off rate, earning a “GOOD” 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 INTRUST Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands INTRUST Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.