TB
SBA 7(a) franchise lending portfolio
The Bank of Houston
EXCELLENT risk
- Total loans
- 56
- Loan volume
- $35.6M
- Avg loan size
- $635K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.36%
Franchises funded
44
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Massage LuXe | 6 | $2.9M | 0.0% (low risk) |
| Koala Insulation | 3 | $998K | 0.0% (low risk) |
| LaVida Massage | 3 | $924K | 0.0% (low risk) |
| Stretch Lab | 2 | $605K | N/A |
| American Freight | 2 | $1.4M | 0.0% (low risk) |
| The UPS Store (f/k/a Mail Box | 2 | $680K | N/A |
| Paris Baguette | 1 | $1.6M | N/A |
| Project Lean Nation | 1 | $304K | N/A |
| redbox+ | 1 | $600K | N/A |
| Generator Supercenter | 1 | $486K | N/A |
| Nautical Bowls | 1 | $312K | 0.0% (low risk) |
| Crave Cookies | 1 | $462K | N/A |
| Play It Again Sports | 1 | $375K | 0.0% (low risk) |
| The Great Frame Up | 1 | $203K | N/A |
| Quality Inn by Choice Hotels / | 1 | $3.5M | 0.0% (low risk) |
| New Distributing Co. Inc (Phil | 1 | $608K | N/A |
| Subway | 1 | $370K | N/A |
| Home Service Oil Company - Con | 1 | $1.8M | 0.0% (low risk) |
| Right at Home | 1 | $1.3M | N/A |
| Americas Best Value Inn | 1 | $1.1M | N/A |
Lending volume by year
2'20
12'21
15'22
15'23
6'24
5'25
1'26
The Bank of Houston charge-off rate by loan vintage
BrandNational avg
Geographic exposure
210.0% (low risk)
50.0% (low risk)
50.0% (low risk)
30.0% (low risk)
30.0% (low risk)
20.0% (low risk)
20.0% (low risk)
20.0% (low risk)
20.0% (low risk)
1N/A
Portfolio summary
Total funded$35.6M
Defaults0 of 56
Risk tierEXCELLENT
Avg rate8.36%
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 The Bank of Houston originated?
- 56 loans totaling $35.6M. 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 The Bank of Houston fund the most?
- The “Top franchise exposures” table above lists the brands The Bank of Houston has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.