SB
SBA 7(a) franchise lending portfolio
Susser Bank
EXCELLENT risk
- Total loans
- 20
- Loan volume
- $22.0M
- Avg loan size
- $1.1M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.56%
Franchises funded
16
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Kids 'r' Kids | 2 | $3.7M | 0.0% (low risk) |
| Taco Casa | 2 | $2.5M | 0.0% (low risk) |
| Urban Air Adventure Park | 2 | $5.5M | 0.0% (low risk) |
| Taco Casa | 2 | $506K | N/A |
| Sweetfrog | 1 | $363K | 0.0% (low risk) |
| Costa Vida Fresh Mexican Grill | 1 | $667K | 0.0% (low risk) |
| Which Wich | 1 | $845K | 0.0% (low risk) |
| Mellow Mushroom | 1 | $3.4M | 0.0% (low risk) |
| Huddle House | 1 | $510K | 0.0% (low risk) |
| Sunny Street Café (f/K/A Rise | 1 | $636K | 0.0% (low risk) |
| Comet Cleaners and Laundry | 1 | $267K | 0.0% (low risk) |
| Adventure Kids Playcare | 1 | $325K | 0.0% (low risk) |
| Jimmy John's | 1 | $346K | 0.0% (low risk) |
| Surge Park Adventure - License | 1 | $1.5M | 0.0% (low risk) |
| Nothing Bundt Cakes | 1 | $807K | N/A |
| Hotworx | 1 | $215K | 0.0% (low risk) |
Lending volume by year
1'13
2'14
2'15
2'16
2'17
2'18
4'19
3'20
1'22
1'24
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 Susser Bank originated?
- 20 loans totaling $22.0M. 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 Susser Bank fund the most?
- The “Top franchise exposures” table above lists the brands Susser 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.