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SBA 7(a) franchise lending portfolio
Security National Bank of Omaha
EXCELLENT risk
- Total loans
- 27
- Loan volume
- $26.4M
- Avg loan size
- $978K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.03%
Franchises funded
22
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pinnacle Montessori Academy | 4 | $10.2M | — |
| Smoothie King | 2 | $935K | 0.0% |
| Amazing Lash Studio | 2 | $717K | — |
| Beauty Warehouse | 1 | $70K | 0.0% |
| Duct Medic | 1 | $150K | 0.0% |
| Dairy Queen | 1 | $471K | 0.0% |
| Camille's Sidewalk Cafe | 1 | $300K | 0.0% |
| Brain Balance | 1 | $240K | 0.0% |
| Stork Vision | 1 | $85K | 0.0% |
| Brain Balance | 1 | $302K | 0.0% |
| Scissors & Scotch | 1 | $736K | — |
| Pickleman's Gourmet Cafe | 1 | $756K | — |
| Office Pride Commercial Cleani | 1 | $592K | — |
| Fastsigns | 1 | $2.3M | 0.0% |
| VIO Med Spa | 1 | $1.2M | — |
| The Brass Tap | 1 | $954K | — |
| redbox+ | 1 | $987K | 0.0% |
| Body20 | 1 | $611K | — |
| Blue Kangaroo Packoutz | 1 | $500K | 0.0% |
| HTeaO | 1 | $2.5M | — |
Lending volume by year
1'93
1'04
2'09
1'10
1'16
1'18
2'19
1'21
6'22
5'23
2'24
4'25
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%).