SB
SBA 7(a) franchise lending portfolio
State Bank Financial
GOOD risk
- Total loans
- 21
- Loan volume
- $5.5M
- Avg loan size
- $264K
- Charge-off rate
- 5.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.98%
Franchises funded
14
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Anytime Fitness | 3 | $510K | 0.0% (low risk) |
| Servpro | 2 | $772K | 0.0% (low risk) |
| Once Upon A Child | 2 | $452K | 0.0% (low risk) |
| Style Encore | 2 | $248K | 0.0% (low risk) |
| Beef Jerky Outlet Franchise | 2 | $360K | 50.0% (very high risk) |
| La Vida Massage | 2 | $236K | 0.0% (low risk) |
| State Farm Insurance | 1 | $70K | 0.0% (low risk) |
| 360clean | 1 | $30K | 0.0% (low risk) |
| Plato's Closet | 1 | $280K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $100K | 0.0% (low risk) |
| 360clean | 1 | $75K | N/A |
| Fantastic Sams | 1 | $60K | 0.0% (low risk) |
| Five Guys Famous Burgers And F | 1 | $300K | 0.0% (low risk) |
| Harley Davidson - Motor Cycle | 1 | $2.0M | N/A |
Lending volume by year
1'07
2'09
1'10
2'11
1'12
2'13
5'14
2'15
1'16
2'17
1'19
1'21
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 State Bank Financial originated?
- 21 loans totaling $5.5M. The portfolio carries a 5.3% 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 State Bank Financial fund the most?
- The “Top franchise exposures” table above lists the brands State Bank Financial has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.