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SBA 7(a) franchise lending portfolio
Texas Champion Bank
ELEVATED risk
- Total loans
- 16
- Loan volume
- $3.7M
- Avg loan size
- $234K
- Default 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% |
| H & R Block | 1 | $74K | 0.0% |
| The Brass Tap | 1 | $790K | 100.0% |
| Cookie Cutters | 1 | $50K | 0.0% |
| Brain Balance | 1 | $266K | 0.0% |
| Brain Balance | 1 | $125K | 0.0% |
| Pearle Vision Center | 1 | $195K | 0.0% |
| Bahama Buck's | 1 | $291K | 100.0% |
| Gracie Barra Brazilian Jiu Jit | 1 | $150K | — |
| Buffalo Wild Wings | 1 | $500K | — |
| Club Pilates | 1 | $504K | — |
| PuroClean | 1 | $50K | — |
| CryoFit | 1 | $336K | — |
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%
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
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%).