TC
SBA 7(a) franchise lending portfolio
Texas Champion Bank
ELEVATED risk
- Total loans
- 16
- Loan volume
- $3.7M
- Avg loan size
- $234K
- Charge-off rate
- 18.2%
- vs 15.4% national avg
Defaults
2
Avg interest
6.95%
Franchises funded
13
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store | 4 | $415K | 0.0% (low risk) |
| H & R Block | 1 | $74K | 0.0% (low risk) |
| The Brass Tap | 1 | $790K | 100.0% (very high risk) |
| Cookie Cutters | 1 | $50K | 0.0% (low risk) |
| Brain Balance | 1 | $266K | 0.0% (low risk) |
| Brain Balance | 1 | $125K | 0.0% (low risk) |
| Pearle Vision Center | 1 | $195K | 0.0% (low risk) |
| Bahama Buck's | 1 | $291K | 100.0% (very high risk) |
| Gracie Barra Brazilian Jiu Jit | 1 | $150K | N/A |
| Buffalo Wild Wings | 1 | $500K | N/A |
| Club Pilates | 1 | $504K | N/A |
| PuroClean | 1 | $50K | N/A |
| CryoFit | 1 | $336K | N/A |
Lending volume by year
1'03
1'13
1'14
3'15
2'16
2'17
1'18
1'22
1'23
1'24
2'25
Geographic exposure
1618.2% (high risk)
Portfolio summary
Total funded$3.7M
Defaults2 of 16
Risk tierELEVATED
Avg rate6.95%
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 Champion Bank originated?
- 16 loans totaling $3.7M. The portfolio carries a 18.2% charge-off rate, earning a “ELEVATED” 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 Texas Champion Bank fund the most?
- The “Top franchise exposures” table above lists the brands Texas Champion 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.