NB
SBA 7(a) franchise lending portfolio
NBKC Bank
CRITICAL risk
- Total loans
- 16
- Loan volume
- $5.2M
- Avg loan size
- $324K
- Charge-off rate
- 28.6%
- vs 15.4% national avg
Defaults
4
Avg interest
6.96%
Franchises funded
16
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Card$mart | 1 | $150K | 0.0% (low risk) |
| Shapexpress | 1 | $25K | 100.0% (very high risk) |
| Taco Via | 1 | $175K | 100.0% (very high risk) |
| Superglass Windshield Repair | 1 | $23K | 0.0% (low risk) |
| Chartroose Caboose | 1 | $115K | 0.0% (low risk) |
| Fantastic Sam's | 1 | $80K | 0.0% (low risk) |
| Mobile Appearance Reconditioni | 1 | $70K | 0.0% (low risk) |
| Great Clips | 1 | $115K | 0.0% (low risk) |
| Your Dollar Store With More | 1 | $140K | 100.0% (very high risk) |
| Certa Propainters | 1 | $182K | 100.0% (very high risk) |
| Social Work | 1 | $125K | 0.0% (low risk) |
| Slim And Tone | 1 | $25K | 0.0% (low risk) |
| Kids 'r' Kids | 1 | $3.3M | 0.0% (low risk) |
| Jackson Hewitt Tax Service | 1 | $149K | 0.0% (low risk) |
| Nekter Juice Bar | 1 | $355K | N/A |
| barre3 | 1 | $150K | N/A |
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
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 NBKC Bank originated?
- 16 loans totaling $5.2M. The portfolio carries a 28.6% charge-off rate, earning a “CRITICAL” 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 NBKC Bank fund the most?
- The “Top franchise exposures” table above lists the brands NBKC 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.