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SBA 7(a) franchise lending portfolio
NBKC Bank
CRITICAL risk
- Total loans
- 16
- Loan volume
- $5.2M
- Avg loan size
- $324K
- Default rate
- 28.6%
- vs 15.4% national avg
Defaults
4
Avg interest
6.96%
Franchises funded
16
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Card$mart | 1 | $150K | 0.0% |
| Shapexpress | 1 | $25K | 100.0% |
| Taco Via | 1 | $175K | 100.0% |
| Superglass Windshield Repair | 1 | $23K | 0.0% |
| Chartroose Caboose | 1 | $115K | 0.0% |
| Fantastic Sam's | 1 | $80K | 0.0% |
| Mobile Appearance Reconditioni | 1 | $70K | 0.0% |
| Great Clips | 1 | $115K | 0.0% |
| Your Dollar Store With More | 1 | $140K | 100.0% |
| Certa Propainters | 1 | $182K | 100.0% |
| Social Work | 1 | $125K | 0.0% |
| Slim And Tone | 1 | $25K | 0.0% |
| Kids 'r' Kids | 1 | $3.3M | 0.0% |
| Jackson Hewitt Tax Service | 1 | $149K | 0.0% |
| Nekter Juice Bar | 1 | $355K | — |
| barre3 | 1 | $150K | — |
Lending volume by year
2'03
6'04
3'05
1'06
1'13
1'16
1'24
1'25
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%).