SBA 7(a) FOIA data · borrowers in Houston, TX · FY1992 to FY2026 · as of 2025-12-31
Franchise SBA loans in Houston, Texas
SBA lenders have made 1,624 7(a) loans to franchise businesses in Houston since 1992, $986.4M in all, across 631 franchise systems and 168 lenders. Of the loans that have been resolved, 19.7% were charged off, 3.7 points above the national franchise rate of 16.0%. This is what the loan record says about which brands got financed here and how it went. It is not a list of territories for sale; we hold no availability data for any brand.
Headline numbers
- Franchise loans
- 1,624
- since FY1992
- Approved
- $986.4M
- gross loan amounts
- Charge-off rate
- 19.7%
- 1,211 resolved loans; national 16.0%
- Systems financed
- 631
- 168 lenders
Franchise systems financed in Houston
The twenty systems with the most SBA loans to Houston borrowers. The verdict grade is the brand's national grade on this site, an editorial assessment and not investment advice. “Locations on file” counts current franchisee locations we hold anywhere in Texas: presence, not availability.
| System | Loans here | Charge-off here | Approved | Verdict | Locations on file, TX |
|---|---|---|---|---|---|
| Quiznos | 58 | 12.1% | $8.5M | F: Weakest tier | 11 |
| Smoothie King | 40 | 10.8% | $6.6M | B: Above average | not on file |
| Mary Kay Cosmetics | 35 | 34.3% | $132K | not graded | not on file |
| A+ Transmission | 20 | 11.8% | $6.2M | not graded | not on file |
| Murphy's Deli | 19 | 26.3% | $5.0M | not graded | not on file |
| Wingstop Restaurant | 18 | 5.6% | $4.0M | A: Strongest tier | not on file |
| Mail Boxes Etc. USA | 17 | 5.9% | $2.9M | A: Strongest tier | 433 |
| Philly Connection | 17 | 35.3% | $2.2M | not graded | not on file |
| Sports Clips | 17 | 5.9% | $2.1M | A: Strongest tier | 4 |
| Amazing Lash Studio | 16 | 0.0% | $8.0M | D: Below average | 48 |
| Christian Brothers Automotive | 14 | 0.0% | $4.7M | A: Strongest tier | not on file |
| Kids R Kids | 14 | 0.0% | $27.9M | not graded | not on file |
| Schlotzsky's Sandwich Shop | 14 | 14.3% | $4.0M | B: Above average | not on file |
| The UPS Store | 14 | 0.0% | $3.5M | A: Strongest tier | 433 |
| Massage Heights | 13 | 10.0% | $5.8M | C: Average | not on file |
| Aamco Transmissions | 12 | limited data | $3.2M | C: Average | 41 |
| Cold Stone Creamery, Inc. | 11 | 54.5% | $2.5M | C: Average | 3 |
| Americas Best Value Inn | 10 | limited data | $18.3M | not graded | not on file |
| Comfort Inn | 10 | limited data | $18.2M | A: Strongest tier | 3 |
| Comfort Suites by Choice Hotel | 10 | limited data | $27.6M | not graded | not on file |
Lenders most active in Houston
Where a franchise buyer in Houston has historically found a 7(a) lender. A lender's local rate reflects which systems it funded here as much as its underwriting.
| Lender | Loans here | Charge-off here | Approved |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | 157 | 20.5% | $41.5M |
| Comerica Bank | 129 | 25.4% | $34.5M |
| Wells Fargo Bank National Association | 124 | 27.1% | $49.0M |
| Simmons Bank | 90 | 13.4% | $29.9M |
| The Huntington National Bank | 73 | 7.7% | $41.8M |
| United Midwest Savings Bank National Association | 49 | 18.8% | $10.3M |
| Hanmi Bank | 46 | 17.8% | $13.6M |
| Zions Bank, A Division of | 46 | 20.0% | $15.1M |
| Wallis Bank | 45 | 5.6% | $78.6M |
| PNC Bank, National Association | 42 | 10.8% | $21.1M |
| East West Bank | 41 | 13.2% | $21.1M |
| Readycap Lending, LLC | 37 | 41.9% | $27.6M |
Franchise loans approved per year
Approvals by SBA fiscal year, the last decade. A quiet year is a quiet year for new lending, not for the businesses already running.
- FY201555
- FY201675
- FY201771
- FY201878
- FY201971
- FY202059
- FY202175
- FY202261
- FY202375
- FY202442
- FY202560
- FY20264
Reading this page
- Does a loan in Houston mean a franchise is available in Houston?
- No. A loan shows that a franchisee opened or bought a unit in Houston and financed it with an SBA 7(a) loan. Whether a territory near you is open now is known only to the franchisor, so ask before you rely on it. FranchiseVerdict holds no territory-availability data for any brand.
- What does the charge-off rate on this page measure?
- Loans that were charged off divided by loans that were resolved, meaning paid in full or charged off. Loans still open count in neither. It is a loan outcome, not a unit failure rate and not a measure of profit, and it is an editorial reading of SBA's data, not investment advice.
- Why does the table say "limited data" for some systems in Houston?
- A rate is printed only where at least ten loans in the city have been resolved. Below that, one loan moves the number by ten points or more, so the table says limited data instead of a figure that would not survive the next loan.
- Which of these brands already operate in Texas?
- FranchiseVerdict holds current franchisee location records in Texas for 8 of the 20 systems on this page that have a brand page. That is evidence a brand runs units in the state today; a brand with none on file may still operate there, because owner-record coverage is partial.
Talk to franchise owners in Texas
The loan record says how financing went; an owner says how the business goes. FranchiseVerdict sells verified franchisee contact lists filtered by state, $49 per brand, for personal due diligence only, not telemarketing or automated calls. We hold Texas owner records for 8 of the 20 systems above that have a brand page.
Get owner contacts — $49/brand