SM
SBA 7(a) franchise lending portfolio
Southwest Missouri Bank
GOOD risk
- Total loans
- 15
- Loan volume
- $2.4M
- Avg loan size
- $160K
- Charge-off rate
- 6.7%
- vs 15.4% national avg
Defaults
1
Avg interest
6.21%
Franchises funded
14
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Play It Again Sports (retail S | 2 | $166K | 0.0% (low risk) |
| Conoco Service Station | 1 | $122K | 0.0% (low risk) |
| Golf U.s.a. (retail Golf Equip | 1 | $138K | 100.0% (very high risk) |
| Comet One-Hour Dry Cleaners | 1 | $412K | 0.0% (low risk) |
| Camille's Sidewalk Cafe | 1 | $150K | 0.0% (low risk) |
| Quiznos | 1 | $36K | 0.0% (low risk) |
| Moe's Sw Grill | 1 | $550K | 0.0% (low risk) |
| Papa John's Pizza | 1 | $113K | 0.0% (low risk) |
| Cottman Transmission | 1 | $100K | 0.0% (low risk) |
| Pro Image | 1 | $150K | 0.0% (low risk) |
| Fudgies | 1 | $24K | 0.0% (low risk) |
| Liberty Tax Service | 1 | $35K | 0.0% (low risk) |
| Fedex | 1 | $180K | 0.0% (low risk) |
| Physical Therapy NOW | 1 | $230K | 0.0% (low risk) |
Lending volume by year
1'92
1'95
1'96
1'00
1'02
1'03
1'06
1'07
4'09
1'12
1'13
1'22
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 Southwest Missouri Bank originated?
- 15 loans totaling $2.4M. The portfolio carries a 6.7% charge-off rate, earning a “GOOD” 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 Southwest Missouri Bank fund the most?
- The “Top franchise exposures” table above lists the brands Southwest Missouri 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.