TC
SBA 7(a) franchise lending portfolio
Texas Capital Bank
Risk rating: Average
- Total loans
- 52
- Loan volume
- $68.3M
- Avg loan size
- $1.3M
- Charge-off rate
- 11.1%
- vs 16.0% national
Charged off
2
Avg interest
7.07%
Franchises funded
43
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| The Brass Tap | 3 | $2.8M | N/A |
| Celebree School | 3 | $5.2M | N/A |
| Woodhouse Day Spa / Woodhouse | 3 | $3.3M | N/A |
| Quiznos | 2 | $320K | N/A |
| Pinnacle Montessori Academy | 2 | $8.1M | N/A |
| Shipley Do-Nut | 2 | $641K | N/A |
| Polaris - Dealer Agreement | 2 | $3.8M | N/A |
| Roly Poly Rolled Sandwiches | 1 | $60K | N/A |
| The Gents Place | 1 | $640K | N/A |
| Sylvan Learning Centers | 1 | $512K | N/A |
| Fresh Coat | 1 | $424K | N/A |
| Padgett Business Services | 1 | $650K | N/A |
| SafeSplash Swim School | 1 | $2.4M | N/A |
| Cauldron Ice Cream | 1 | $278K | N/A |
| Econo Lodge | 1 | $1.8M | N/A |
| Creamistry | 1 | $350K | N/A |
| Flippin' Pizza | 1 | $208K | N/A |
| LA Crawfish | 1 | $576K | N/A |
| Primrose Schools | 1 | $3.2M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2002 | 2 |
| FY2004 | 1 |
| FY2017 | 4 |
| FY2018 | 8 |
| FY2019 | 9 |
| FY2020 | 5 |
| FY2021 | 3 |
| FY2022 | 2 |
| FY2023 | 2 |
| FY2024 | 4 |
| FY2025 | 11 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
Texas Capital Bank charge-off rate by loan vintage
None of these 3 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2017 | 3 | 0 | Too few |
| 2018 | 4 | 0 | Too few |
| 2019 | 4 | 0 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 Texas Capital Bank originated?
- 52 loans totaling $68.3M. The portfolio carries a 11.1% 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. Texas Capital Bank's rate of 11.1% 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 Texas Capital Bank fund the most?
- The “Top franchise exposures” table above lists the brands Texas Capital 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.