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SBA 7(a) franchise lending portfolio
Security Bank of Kansas City
GOOD risk
- Total loans
- 25
- Loan volume
- $4.3M
- Avg loan size
- $172K
- Default rate
- 8.3%
- vs 15.4% national avg
Defaults
2
Avg interest
6.00%
Franchises funded
19
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Planet Sub | 6 | $1.4M | 0.0% |
| Econo Lub N Tune | 2 | $60K | 50.0% |
| Blimpie | 1 | $55K | 100.0% |
| Checkers Drive-In Restaurant | 1 | $465K | 0.0% |
| General Nutrition Center | 1 | $380K | 0.0% |
| La Mara's Donuts | 1 | $100K | 0.0% |
| Medicine Shoppe | 1 | $44K | 0.0% |
| Motorworks | 1 | $62K | 0.0% |
| Subway Sandwich Shop | 1 | $200K | — |
| Lamar's Donuts | 1 | $150K | 0.0% |
| Pita Pit | 1 | $219K | 0.0% |
| Super Suppers | 1 | $133K | 0.0% |
| Embroide Me.com | 1 | $120K | 0.0% |
| Christian Brothers Automotive | 1 | $220K | 0.0% |
| Waffle House | 1 | $100K | 0.0% |
| Sheridan's Frozen Custard | 1 | $150K | 0.0% |
| Dairy Queen | 1 | $90K | 0.0% |
| Human Healthy Vending | 1 | $75K | 0.0% |
| D-Bat | 1 | $305K | 0.0% |
Lending volume by year
1'93
1'94
2'95
1'96
2'97
1'00
1'01
7'03
1'04
1'05
3'06
2'08
1'13
1'16
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%).