IB
SBA 7(a) franchise lending portfolio
INTRUST Bank, National Association
Risk rating: Good
- Total loans
- 80
- Loan volume
- $18.3M
- Avg loan size
- $229K
- Charge-off rate
- 8.6%
- vs 16.0% national
Charged off
6
Avg interest
5.72%
Franchises funded
47
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Dairy Queen | 12 | $3.6M | N/A |
| Mail Boxes Etc. Usa | 8 | $730K | N/A |
| Ubreakifix | 4 | $250K | N/A |
| Color Tyme | 3 | $708K | N/A |
| Freddy's Frozen Custard | 3 | $1.8M | N/A |
| Matco Tools (rent Tools) | 2 | $91K | N/A |
| Mr. Goodcents Sub' And Pasta | 2 | $990K | N/A |
| Chrysler | 2 | $140K | N/A |
| Rhea Lana | 2 | $50K | N/A |
| Mr. Goodcents Subs & Pastas | 2 | $200K | N/A |
| Firehouse Subs | 2 | $620K | N/A |
| Servicemaster | 2 | $150K | N/A |
| Plato's Closet | 2 | $483K | N/A |
| Allstate Insurance | 2 | $125K | N/A |
| Burn Boot Camp Fitness | 2 | $241K | N/A |
| Medi-Weightloss | 2 | $118K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 4 |
| FY1993 | 7 |
| FY1995 | 1 |
| FY1996 | 2 |
| FY1997 | 3 |
| FY1999 | 1 |
| FY2000 | 1 |
| FY2003 | 1 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2006 | 1 |
| FY2007 | 4 |
| FY2008 | 2 |
| FY2009 | 4 |
| FY2010 | 1 |
| FY2011 | 4 |
| FY2012 | 2 |
| FY2013 | 4 |
| FY2014 | 4 |
| FY2015 | 5 |
| FY2016 | 10 |
| FY2017 | 3 |
| FY2018 | 4 |
| FY2019 | 4 |
| FY2021 | 1 |
| FY2022 | 3 |
| FY2025 | 2 |
SBA 7(a) · charge-off rate by approval year
INTRUST Bank, National Association charge-off rate by loan vintage
None of these 11 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 4 | 1 | Too few |
| 1993 | 7 | 1 | Too few |
| 1997 | 3 | 0 | Too few |
| 2007 | 4 | 1 | Too few |
| 2009 | 4 | 1 | Too few |
| 2011 | 4 | 1 | Too few |
| 2013 | 4 | 0 | Too few |
| 2014 | 4 | 0 | Too few |
| 2015 | 5 | 0 | Too few |
| 2016 | 9 | 0 | Too few |
| 2019 | 3 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. INTRUST Bank, National Association's rate of 8.6% is below the national rate.
- 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.