RB
SBA 7(a) franchise lending portfolio
Royal Banks of Missouri
EXCELLENT risk
- Total loans
- 15
- Loan volume
- $7.4M
- Avg loan size
- $493K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.95%
Franchises funded
13
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Days Inn | 3 | $3.6M | 0.0% (low risk) |
| The UPS Store | 1 | $110K | 0.0% (low risk) |
| UPS Store | 1 | $40K | 0.0% (low risk) |
| Massage Luxe | 1 | $310K | 0.0% (low risk) |
| School Of Rock | 1 | $333K | 0.0% (low risk) |
| Days Inn by Wyndham | 1 | $150K | 0.0% (low risk) |
| Massage Luxe | 1 | $315K | 0.0% (low risk) |
| Jimmy John's | 1 | $63K | 0.0% (low risk) |
| Three Dog Bakery | 1 | $243K | 0.0% (low risk) |
| Americas Best Value Inn (f/K/A | 1 | $1.4M | 0.0% (low risk) |
| CycleBar | 1 | $337K | N/A |
| Hotworx | 1 | $306K | 0.0% (low risk) |
| Le Macaron French Pastries | 1 | $217K | N/A |
Lending volume by year
1'04
1'05
2'11
1'12
1'13
4'14
1'15
1'19
1'20
2'21
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 Royal Banks of Missouri originated?
- 15 loans totaling $7.4M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Royal Banks of Missouri fund the most?
- The “Top franchise exposures” table above lists the brands Royal Banks of Missouri has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.