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SBA 7(a) franchise lending
Idaho
ID
- Total loans
- 1,072
- Loan volume
- $462.3M
- Default rate
- 12.0%
- Jobs created
- 13,684
Defaults
94
Avg interest
7.30%
Job velocity
3.0
per $100K loaned
Franchises active
554
Highest default rates in Idaho
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Meineke Car Care | 5 | 80.0% | 28.3% |
| Taco Time | 6 | 50.0% | 35.6% |
| Cold Stone Creamery, Inc. | 7 | 42.9% | 33.9% |
| Coast-To-Coast Store | 5 | 40.0% | 19.6% |
| Gandolfo's New York Delicatess | 6 | 33.3% | 29.6% |
| Quiznos | 14 | 28.6% | 28.1% |
| Arctic Circle | 8 | 25.0% | 26.7% |
| Great Harvest Bread Co. | 5 | 20.0% | 12.7% |
| Alphagraphics, Printshops Of T | 5 | 20.0% | 31.8% |
| Allstate Insurance | 5 | 20.0% | 2.7% |
Lowest default rates in Idaho
| Franchise | Loans | Default % |
|---|---|---|
| Chevron (gas Station) | 16 | 0.0% |
| Domino's Pizza | 7 | 0.0% |
| Tcby | 5 | 0.0% |
| Baskin-Robbins 31 Ice Cream | 5 | 0.0% |
| Dairy Queen | 6 | 0.0% |
| Fantastic Sam's | 6 | 0.0% |
| Papa Murphy's Take & Bake Pizz | 5 | 0.0% |
| Grease Monkey | 5 | 0.0% |
| Anytime Fitness | 5 | 0.0% |
| Dutch Bros. Coffee | 11 | 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722513 | 91 | $43.0M | 1.7% | |
| Limited-Service Restaurants722211 | 85 | $16.6M | 20.0% | |
| Fitness & Recreational Sports713940 | 49 | $18.0M | 3.8% | |
| Hotels & Motels721110 | 39 | $114.9M | 0.0% | |
| Snack & Beverage Bars722515 | 33 | $15.8M | 0.0% | |
| Full-Service Restaurants722110 | 20 | $6.3M | 15.0% | |
| Other Personal Care Services812199 | 19 | $6.9M | 8.3% | |
| Janitorial Services561720 | 17 | $6.8M | 8.3% | |
| Beauty Salons812112 | 17 | $4.9M | 0.0% | |
| Hardware Stores444130 | 16 | $2.9M | 26.7% |
Franchise lending volume by year
9'92
10
25
32
32
26'97
32
18
14
16
23'02
26
33
44
32
29'07
22
13
14
19
17'12
26
31
32
35
40'17
46
42
33
58
55'22
59
56
62
11'26
Idaho default rate by loan vintage
BrandNational avg
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Job velocity = jobs created per $100K loaned.