RR
SBA 7(a) franchise lending portfolio
Red River Bank
AVERAGE risk
- Total loans
- 12
- Loan volume
- $2.4M
- Avg loan size
- $199K
- Charge-off rate
- 14.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.12%
Franchises funded
10
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Smoothie King (health Food Sto | 2 | $253K | 0.0% (low risk) |
| Tropical Smoothie Cafe | 2 | $325K | N/A |
| P J's Coffee And Tea Cafe | 1 | $145K | 0.0% (low risk) |
| Curves For Women | 1 | $25K | 0.0% (low risk) |
| Logan Farms Honey Glazed Hams | 1 | $94K | 0.0% (low risk) |
| Planet Beach | 1 | $124K | 100.0% (very high risk) |
| Wings To Go | 1 | $80K | 0.0% (low risk) |
| Main Squeeze Juice Co. | 1 | $348K | N/A |
| Rotolo's Pizzeria | 1 | $730K | N/A |
| The Jambalaya Shoppe | 1 | $270K | N/A |
Lending volume by year
2'01
2'04
1'05
1'07
1'10
1'20
4'21
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 Red River Bank originated?
- 12 loans totaling $2.4M. The portfolio carries a 14.3% charge-off rate, earning a “AVERAGE” 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 Red River Bank fund the most?
- The “Top franchise exposures” table above lists the brands Red River 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.