VB
SBA 7(a) franchise lending portfolio
Vantage Bank Texas
ELEVATED risk
- Total loans
- 20
- Loan volume
- $8.7M
- Avg loan size
- $435K
- Charge-off rate
- 18.8%
- vs 15.4% national avg
Defaults
3
Avg interest
6.39%
Franchises funded
18
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Rally's Hamburgers | 2 | $718K | 0.0% (low risk) |
| Merle Norman Cosmetics | 2 | $116K | 0.0% (low risk) |
| Precision Tune | 1 | $221K | 0.0% (low risk) |
| Fuddrucker's | 1 | $600K | 0.0% (low risk) |
| Hungry Howie's | 1 | $159K | 0.0% (low risk) |
| Salad Creations | 1 | $300K | 100.0% (very high risk) |
| Candy Bouquet | 1 | $60K | 100.0% (very high risk) |
| Big Town Hero | 1 | $130K | 0.0% (low risk) |
| Bath Junkie | 1 | $40K | 0.0% (low risk) |
| H&r Block | 1 | $73K | 0.0% (low risk) |
| Buffalo Wings & Rings | 1 | $2.1M | 0.0% (low risk) |
| MidiCi | 1 | $765K | 100.0% (very high risk) |
| Dragon's Liar Comics | 1 | $150K | N/A |
| The UPS Store | 1 | $40K | 0.0% (low risk) |
| Grand Master Samane's Pro Mart | 1 | $250K | 0.0% (low risk) |
| Curry Up Now | 1 | $1.6M | N/A |
| Mambo Seafood | 1 | $561K | N/A |
| Las Palapas | 1 | $844K | N/A |
Lending volume by year
1'92
1'93
2'94
1'01
1'03
1'04
1'06
1'07
2'08
1'12
1'15
1'16
1'17
2'18
1'20
1'21
1'22
Geographic exposure
2018.8% (high risk)
Portfolio summary
Total funded$8.7M
Defaults3 of 20
Risk tierELEVATED
Avg rate6.39%
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 Vantage Bank Texas originated?
- 20 loans totaling $8.7M. The portfolio carries a 18.8% 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 Vantage Bank Texas fund the most?
- The “Top franchise exposures” table above lists the brands Vantage Bank Texas has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.