TP
SBA 7(a) franchise lending portfolio
Texas Partners Bank
EXCELLENT risk
- Total loans
- 27
- Loan volume
- $17.2M
- Avg loan size
- $638K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.86%
Franchises funded
21
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The UPS Store (f/k/a Mail Box | 3 | $1.3M | N/A |
| Great American Cookies | 2 | $754K | 0.0% (low risk) |
| The UPS Store | 2 | $437K | 0.0% (low risk) |
| Genghis Grill | 2 | $532K | 0.0% (low risk) |
| The Human Bean | 2 | $709K | N/A |
| Orange Leaf Frozen Yogurt | 1 | $130K | 0.0% (low risk) |
| Harley Davidson | 1 | $4.0M | N/A |
| Smoothie King (health Food Sto | 1 | $175K | 0.0% (low risk) |
| Baskin-Robbins | 1 | $205K | 0.0% (low risk) |
| Kwik Kopy Business Center | 1 | $253K | 0.0% (low risk) |
| Big Frog Custom T-Shirts & Mor | 1 | $150K | N/A |
| Smoothie King | 1 | $285K | 0.0% (low risk) |
| Koko Fitclub | 1 | $356K | 0.0% (low risk) |
| Urban Bricks | 1 | $520K | 0.0% (low risk) |
| Chicken Express | 1 | $1.4M | 0.0% (low risk) |
| Alamo Drafthouse Cinemas | 1 | $2.5M | 0.0% (low risk) |
| Altitude Trampoline Park | 1 | $1.1M | 0.0% (low risk) |
| Allegra Network | 1 | $436K | 0.0% (low risk) |
| 1000 Degrees Pizzeria | 1 | $397K | N/A |
| Harley Davidson - Motor Cycle | 1 | $1.1M | N/A |
Lending volume by year
1'11
3'13
3'14
1'15
1'16
5'17
3'18
2'19
1'21
1'23
5'24
1'25
Texas Partners Bank charge-off rate by loan vintage
BrandNational avg
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 Partners Bank originated?
- 27 loans totaling $17.2M. 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 Texas Partners Bank fund the most?
- The “Top franchise exposures” table above lists the brands Texas Partners 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.