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SBA 7(a) franchise lending portfolio
Sunflower Bank National Association
AVERAGE risk
- Total loans
- 121
- Loan volume
- $93.2M
- Avg loan size
- $771K
- Default 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% |
| Days Inn | 6 | $5.0M | 16.7% |
| Kiddie Academy | 6 | $9.8M | 0.0% |
| Golden Chick | 6 | $6.9M | 0.0% |
| Camp Bow Wow | 4 | $1.5M | 0.0% |
| Gold's Gym | 4 | $1.8M | 0.0% |
| Kids 'r' Kids | 4 | $9.8M | 0.0% |
| Pizza Ranch | 4 | $2.7M | 0.0% |
| Montessori Kids Universe | 3 | $1.3M | — |
| Tom N Toms Coffee | 3 | $1.3M | 0.0% |
| Hampton Inns | 2 | $2.2M | 0.0% |
| Econo Lodge Motel | 2 | $1.4M | 0.0% |
| Dairy Queen | 2 | $190K | 0.0% |
| Gambino's Pizza | 2 | $269K | 50.0% |
| Camp Bow Wow | 2 | $1.8M | — |
| Jimmy John's | 2 | $794K | 50.0% |
| Best Western Inn | 2 | $4.2M | 50.0% |
| Golden Fried Chicken/Golden Ch | 2 | $701K | 0.0% |
| Smash My Trash | 2 | $481K | 0.0% |
| Mattress Firm | 2 | $2.8M | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
7411.5%
187.1%
80.0%
750.0%
725.0%
30.0%
20.0%
10.0%
10.0%
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
Default 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%), Critical (>20%).