SB
SBA 7(a) franchise lending portfolio
Sunflower Bank National Association
AVERAGE risk
- Total loans
- 121
- Loan volume
- $93.2M
- Avg loan size
- $771K
- Charge-off rate
- 11.5%
- vs 15.4% national avg
Defaults
10
Avg interest
5.79%
Franchises funded
68
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The Learning Experience | 8 | $7.8M | 16.7% (high risk) |
| Days Inn | 6 | $5.0M | 16.7% (high risk) |
| Kiddie Academy | 6 | $9.8M | 0.0% (low risk) |
| Golden Chick | 6 | $6.9M | 0.0% (low risk) |
| Camp Bow Wow | 4 | $1.5M | 0.0% (low risk) |
| Gold's Gym | 4 | $1.8M | 0.0% (low risk) |
| Kids 'r' Kids | 4 | $9.8M | 0.0% (low risk) |
| Pizza Ranch | 4 | $2.7M | 0.0% (low risk) |
| Montessori Kids Universe | 3 | $1.3M | N/A |
| Tom N Toms Coffee | 3 | $1.3M | 0.0% (low risk) |
| Hampton Inns | 2 | $2.2M | 0.0% (low risk) |
| Econo Lodge Motel | 2 | $1.4M | 0.0% (low risk) |
| Dairy Queen | 2 | $190K | 0.0% (low risk) |
| Gambino's Pizza | 2 | $269K | 50.0% (very high risk) |
| Camp Bow Wow | 2 | $1.8M | N/A |
| Jimmy John's | 2 | $794K | 50.0% (very high risk) |
| Best Western Inn | 2 | $4.2M | 50.0% (very high risk) |
| Golden Fried Chicken/Golden Ch | 2 | $701K | 0.0% (low risk) |
| Smash My Trash | 2 | $481K | 0.0% (low risk) |
| Mattress Firm | 2 | $2.8M | N/A |
Lending volume by year
7'92
9
5
4
1
1'02
2
1
1
1
1'10
1
7
13
5
12'17
15
8
8
15
2'23
1
1'26
Sunflower Bank National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
7411.5% (elevated risk)
187.1% (moderate risk)
80.0% (low risk)
750.0% (very high risk)
725.0% (very high risk)
30.0% (low risk)
20.0% (low risk)
10.0% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$93.2M
Defaults10 of 121
Risk tierAVERAGE
Avg rate5.79%
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). 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 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.