SL
SBA 7(a) franchise lending portfolio
St. Louis Bank
EXCELLENT risk
- Total loans
- 34
- Loan volume
- $18.6M
- Avg loan size
- $549K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.18%
Franchises funded
25
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Crumbl | 3 | $1.8M | N/A |
| F45 Training | 3 | $1.3M | 0.0% (low risk) |
| Quantum Assurance Internationa | 2 | $355K | N/A |
| Dippin' Dots | 2 | $1.5M | N/A |
| Any LabTest Now | 2 | $682K | 0.0% (low risk) |
| 4Ever Young | 2 | $474K | N/A |
| Imo's Pizza | 2 | $1.1M | N/A |
| Tropical Smoothie Cafe | 1 | $350K | N/A |
| IM=X Pilates and Fitness | 1 | $290K | N/A |
| Cold Stone Creamery | 1 | $425K | 0.0% (low risk) |
| Anodyne Pain & Wellness Soluti | 1 | $254K | 0.0% (low risk) |
| R&R Pizza Express | 1 | $400K | 0.0% (low risk) |
| Hot Box Cookies | 1 | $253K | N/A |
| Brake Masters | 1 | $609K | N/A |
| Tire Pros | 1 | $756K | 0.0% (low risk) |
| Scenthound | 1 | $623K | N/A |
| Chicken Salad Chick | 1 | $499K | N/A |
| FocalPoint Coaching | 1 | $66K | 0.0% (low risk) |
| Breadsmith | 1 | $340K | N/A |
| Jimmy John's | 1 | $1.6M | N/A |
Lending volume by year
3'19
1'20
9'21
6'22
5'23
6'24
4'25
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 St. Louis Bank originated?
- 34 loans totaling $18.6M. 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 St. Louis Bank fund the most?
- The “Top franchise exposures” table above lists the brands St. Louis 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.