A
SBA 7(a) franchise lending
Arkansas
AR
- Total loans
- 877
- Loan volume
- $482.9M
- Charge-off rate
- 14.0%
- Jobs created
- 10,709
Defaults
92
Avg interest
6.86%
Job velocity
2.2
per $100K loaned
Franchises active
484
Highest charge-off rates in Arkansas
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Matco Tools (rent Tools) | 8 | charge-off rate: 75.0% | 34.8% |
| Daylight Donut Shop | 5 | charge-off rate: 40.0% | 25.5% |
| Dairy Queen | 5 | charge-off rate: 20.0% | 10.7% |
| Radio Shack | 6 | charge-off rate: 16.7% | 19.7% |
| Best Western Inn | 8 | charge-off rate: 12.5% | 8.8% |
| Domino's Pizza | 10 | charge-off rate: 10.0% | 10.7% |
| Curves For Women | 11 | charge-off rate: 9.1% | 18.9% |
| Subway Sandwich Shop | 30 | charge-off rate: 6.7% | 6.1% |
| Days Inn | 10 | charge-off rate: 0.0% | 11.2% |
| Super 8 Motel | 9 | charge-off rate: 0.0% | 11.6% |
Lowest charge-off rates in Arkansas
| Franchise | Loans | Default % |
|---|---|---|
| Days Inn | 10 | charge-off rate: 0.0% |
| Super 8 Motel | 9 | charge-off rate: 0.0% |
| Western Sizzlin Steak House | 5 | charge-off rate: 0.0% |
| Comet One-Hour Dry Cleaners | 6 | charge-off rate: 0.0% |
| Mail Boxes Etc. Usa | 5 | charge-off rate: 0.0% |
| Mazzio's Pizza | 5 | charge-off rate: 0.0% |
| Merle Norman Cosmetics | 5 | charge-off rate: 0.0% |
| Quiznos | 8 | charge-off rate: 0.0% |
| Tcby | 5 | charge-off rate: 0.0% |
| Tropical Smoothie | 5 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Hotels & Motels721110 | 99 | $180.0M | charge-off rate: 8.9% | |
| Limited-Service Restaurants722211 | 70 | $17.6M | charge-off rate: 13.0% | |
| Limited-Service Restaurants722513 | 65 | $37.3M | charge-off rate: 13.6% | |
| Fitness & Recreational Sports713940 | 32 | $6.7M | charge-off rate: 20.8% | |
| Full-Service Restaurants722511 | 32 | $18.4M | charge-off rate: 23.5% | |
| Full-Service Restaurants722110 | 29 | $7.2M | charge-off rate: 7.1% | |
| Janitorial Services561720 | 14 | $1.8M | charge-off rate: 8.3% | |
| Home Health Care Services621610 | 14 | $4.5M | charge-off rate: 22.2% | |
| Child Day Care Services624410 | 13 | $24.7M | charge-off rate: 0.0% | |
| General Automotive Repair811111 | 12 | $4.4M | charge-off rate: 10.0% |
Franchise lending volume by year
12'92
9
20
15
13
22'97
34
24
28
27
26'02
18
28
33
22
29'07
21
12
15
4
12'12
18
30
36
28
30'17
38
32
36
58
33'22
41
30
39
4'26
Arkansas 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. Job velocity = jobs created per $100K loaned.
Frequently asked questions
- How many SBA 7(a) franchise loans has Arkansas received?
- 877 loans totaling $482.9M, with 92 charged off. The statewide charge-off rate is 14.0%.
- What is a charge-off rate and how should I interpret it?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Rates materially above that suggest higher-risk franchise selection or weaker borrower vetting in this state.
- Which franchise brands perform best and worst in Arkansas?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Arkansas by their statewide loan performance. Click any brand for full FDD-disclosed financials and nationwide SBA history.
- 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.