SBA 7(a) franchise lending portfolio
Sunflower Bank National Association
- Total loans
- 121
- Loan volume
- $93.2M
- Avg loan size
- $771K
- Charge-off rate
- 11.5%
- vs 16.0% national
Charged off
10
Avg interest
5.79%
Franchises funded
68
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| The Learning Experience | 8 | $7.8M | N/A |
| Days Inn | 6 | $5.0M | N/A |
| Kiddie Academy | 6 | $9.8M | N/A |
| Golden Chick | 6 | $6.9M | N/A |
| Camp Bow Wow | 6 | $3.3M | N/A |
| Gold's Gym | 4 | $1.8M | N/A |
| Kids 'r' Kids | 4 | $9.8M | N/A |
| Pizza Ranch | 4 | $2.7M | N/A |
| Montessori Kids Universe | 3 | $1.3M | N/A |
| Tom N Toms Coffee | 3 | $1.3M | N/A |
| Hampton Inns | 2 | $2.2M | N/A |
| Econo Lodge Motel | 2 | $1.4M | N/A |
| Dairy Queen | 2 | $190K | N/A |
| Gambino's Pizza | 2 | $269K | N/A |
| Jimmy John's | 2 | $794K | N/A |
| Best Western Inn | 2 | $4.2M | N/A |
| Golden Fried Chicken/Golden Ch | 2 | $701K | N/A |
| Smash My Trash | 2 | $481K | N/A |
| Mattress Firm | 2 | $2.8M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 7 |
| FY1993 | 9 |
| FY1994 | 5 |
| FY1995 | 4 |
| FY1998 | 1 |
| FY2002 | 1 |
| FY2003 | 2 |
| FY2004 | 1 |
| FY2007 | 1 |
| FY2009 | 1 |
| FY2010 | 1 |
| FY2012 | 1 |
| FY2014 | 7 |
| FY2015 | 13 |
| FY2016 | 5 |
| FY2017 | 12 |
| FY2018 | 15 |
| FY2019 | 8 |
| FY2020 | 8 |
| FY2021 | 15 |
| FY2023 | 2 |
| FY2024 | 1 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Sunflower Bank National Association: below all franchise loans in each of the 2 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1992 | 7 | 0 | Too few |
| 1993 | 9 | 1 | Too few |
| 1994 | 5 | 2 | Too few |
| 1995 | 4 | 1 | Too few |
| 2014 | 7 | 1 | Too few |
| 2015 | 11 | 0 | 0.0% |
| 2016 | 4 | 0 | Too few |
| 2017 | 7 | 1 | Too few |
| 2018 | 10 | 1 | 10.0% |
| 2019 | 4 | 0 | Too few |
| 2020 | 3 | 0 | Too early |
| 2021 | 7 | 2 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Sunflower Bank National Association originated?
- 121 loans totaling $93.2M. The portfolio carries a 11.5% charge-off rate, earning a “Average” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Sunflower Bank National Association's rate of 11.5% is below the national rate.
- 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 Sunflower Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands Sunflower Bank National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.