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SBA 7(a) franchise lending portfolio
INTRUST Bank, National Association
GOOD risk
- Total loans
- 80
- Loan volume
- $18.3M
- Avg loan size
- $229K
- Default 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% |
| Mail Boxes Etc. Usa | 4 | $350K | 50.0% |
| Ubreakifix | 4 | $250K | 0.0% |
| Color Tyme | 3 | $708K | 66.7% |
| Freddy's Frozen Custard | 3 | $1.8M | 0.0% |
| Dairy Queen Grill & Chill/Texa | 3 | $754K | 0.0% |
| Matco Tools (rent Tools) | 2 | $91K | 50.0% |
| Mr. Goodcents Sub' And Pasta | 2 | $990K | 0.0% |
| Chrysler | 2 | $140K | 0.0% |
| UPS Store | 2 | $180K | 0.0% |
| Rhea Lana | 2 | $50K | 0.0% |
| Mr. Goodcents Subs & Pastas | 2 | $200K | 0.0% |
| The UPS Store | 2 | $200K | 0.0% |
| Dairy Queen Frozen Treat Cente | 2 | $1.5M | 0.0% |
| Firehouse Subs | 2 | $620K | 0.0% |
| Servicemaster | 2 | $150K | 0.0% |
| Plato's Closet | 2 | $483K | 0.0% |
| Allstate Insurance | 2 | $125K | 0.0% |
| Burn Boot Camp Fitness | 2 | $241K | 0.0% |
| Medi-Weightloss | 2 | $118K | 0.0% |
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 default rate by loan vintage
BrandNational avg
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%).