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SBA 7(a) franchise lending portfolio
Texas Capital Bank
AVERAGE risk
- Total loans
- 52
- Loan volume
- $68.3M
- Avg loan size
- $1.3M
- Default rate
- 11.1%
- vs 15.4% national avg
Defaults
2
Avg interest
7.07%
Franchises funded
43
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The Brass Tap | 3 | $2.8M | 0.0% |
| Celebree School | 3 | $5.2M | — |
| Quiznos | 2 | $320K | 50.0% |
| Woodhouse Day Spa / Woodhouse | 2 | $2.0M | 0.0% |
| Pinnacle Montessori Academy | 2 | $8.1M | — |
| Shipley Do-Nut | 2 | $641K | — |
| Polaris - Dealer Agreement | 2 | $3.8M | 0.0% |
| Roly Poly Rolled Sandwiches | 1 | $60K | 100.0% |
| The Gents Place | 1 | $640K | 0.0% |
| The Woodhouse Day Spa | 1 | $1.2M | 0.0% |
| Sylvan Learning Centers | 1 | $512K | — |
| Fresh Coat | 1 | $424K | — |
| Padgett Business Services | 1 | $650K | — |
| SafeSplash Swim School | 1 | $2.4M | — |
| Cauldron Ice Cream | 1 | $278K | 0.0% |
| Econo Lodge | 1 | $1.8M | 0.0% |
| Creamistry | 1 | $350K | 0.0% |
| Flippin' Pizza | 1 | $208K | 0.0% |
| LA Crawfish | 1 | $576K | 0.0% |
| Primrose Schools | 1 | $3.2M | 0.0% |
Lending volume by year
2'02
1'04
4'17
8'18
9'19
5'20
3'21
2'22
2'23
4'24
11'25
1'26
Texas Capital Bank default rate by loan vintage
BrandNational avg
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%).