RM
SBA 504 certified development company
Rural Missouri, Inc.
- Total loans
- 277
- Loan volume
- $228.1M
- Avg loan size
- $823K
- Default rate
- 19.7%
- vs 13.3% national avg
Defaults
35
Franchises funded
152
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Super 8 Motel | 15 | $7.8M | 26.7% |
| Culver's Frozen Custard | 12 | $9.6M | 10.0% |
| Temporary Franchises | 10 | $5.6M | 0.0% |
| Days Inn | 6 | $4.2M | 25.0% |
| Holiday Inn Express | 6 | $7.1M | 0.0% |
| Quality Inn | 5 | $4.3M | 40.0% |
| Culver's ButterBurgers & Froze | 5 | $6.7M | — |
| Comfort Inn | 4 | $2.1M | 0.0% |
| Econo Lodge Motel | 4 | $2.2M | 25.0% |
| Best Western Inn | 4 | $3.4M | 25.0% |
| Dairy Queen | 4 | $1.7M | 33.3% |
| Choice Hotels International In | 4 | $5.4M | 33.3% |
| Popeye's Famous Fried Chicken | 4 | $1.4M | 100.0% |
| Aaron's Sales & Lease Ownershi | 4 | $1.9M | 0.0% |
| Howard Johnson | 4 | $3.3M | 0.0% |
| Ramada Inn | 4 | $2.2M | 25.0% |
| Domino's | 4 | $1.3M | — |
| Golden Corral (restaurant) | 3 | $3.9M | 100.0% |
| Captain D's | 3 | $852K | 33.3% |
| Back Yard Burgers | 3 | $1.4M | 100.0% |
Lending volume by year
8'92
3
10
7
9
2'97
5
3
3
8
7'02
5
8
10
16
17'07
10
16
14
3
12'12
10
4
2
7
10'17
7
6
8
11
10'22
13
6
7'25
Source: SBA 504 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%).