SBA 7(a) franchise lending portfolio
PlainsCapital Bank
- Total loans
- 149
- Loan volume
- $70.3M
- Avg loan size
- $472K
- Charge-off rate
- 19.1%
- vs 16.0% national
Charged off
20
Avg interest
6.63%
Franchises funded
98
Risk rating
Elevated
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Quiznos | 10 | $1.5M | 30.0% (high risk) |
| Taco Casa | 9 | $8.2M | N/A |
| Cheeky Monkeys | 6 | $5.4M | N/A |
| FreeForm Chiropractic | 5 | $1.9M | N/A |
| Firehouse Subs | 3 | $702K | N/A |
| Cold Stone Creamery, Inc. | 3 | $598K | N/A |
| Fish City Grill | 3 | $960K | N/A |
| Philly Connection | 2 | $364K | N/A |
| Marble Slab Creamery | 2 | $300K | N/A |
| Sports Clips | 2 | $291K | N/A |
| Bahama Buck's | 2 | $499K | N/A |
| Dickey's Barbeque | 2 | $777K | N/A |
| Massage Envy | 2 | $564K | N/A |
| Paciugo Italian Gelato Renaiss | 2 | $575K | N/A |
| Domino's Pizza | 2 | $955K | N/A |
| Temporary Franchises | 2 | $888K | N/A |
| Flowerama | 2 | $665K | N/A |
| Crumbl | 2 | $698K | N/A |
| Premier Martial Arts Studio | 2 | $662K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 1 |
| FY1996 | 1 |
| FY1997 | 1 |
| FY1999 | 3 |
| FY2000 | 2 |
| FY2002 | 4 |
| FY2003 | 7 |
| FY2004 | 9 |
| FY2005 | 7 |
| FY2006 | 10 |
| FY2007 | 4 |
| FY2008 | 11 |
| FY2009 | 15 |
| FY2010 | 7 |
| FY2011 | 6 |
| FY2012 | 2 |
| FY2013 | 1 |
| FY2014 | 3 |
| FY2015 | 2 |
| FY2016 | 1 |
| FY2017 | 3 |
| FY2018 | 1 |
| FY2019 | 2 |
| FY2020 | 3 |
| FY2021 | 6 |
| FY2022 | 13 |
| FY2023 | 6 |
| FY2024 | 10 |
| FY2025 | 8 |
SBA 7(a) · charge-off rate by approval year
PlainsCapital Bank: above all franchise loans in 2 of 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1999 | 3 | 0 | Too few |
| 2002 | 4 | 0 | Too few |
| 2003 | 7 | 1 | Too few |
| 2004 | 9 | 4 | Too few |
| 2005 | 7 | 2 | Too few |
| 2006 | 10 | 5 | 50.0% |
| 2007 | 4 | 2 | Too few |
| 2008 | 11 | 2 | 18.2% |
| 2009 | 15 | 3 | 20.0% |
| 2010 | 7 | 1 | Too few |
| 2011 | 6 | 0 | Too few |
| 2014 | 3 | 0 | Too few |
| 2022 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
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 PlainsCapital Bank originated?
- 149 loans totaling $70.3M. The portfolio carries a 19.1% charge-off rate, earning a “Elevated” 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. PlainsCapital Bank's rate of 19.1% is above 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 PlainsCapital Bank fund the most?
- The “Top franchise exposures” table above lists the brands PlainsCapital 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.