K
SBA 7(a) franchise lending
Kansas
KS
- Total loans
- 1,602
- Loan volume
- $646.4M
- Charge-off rate
- 16.4%
- Jobs created
- 16,846
Defaults
202
Avg interest
6.77%
Job velocity
2.6
per $100K loaned
Franchises active
717
Highest charge-off rates in Kansas
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Petland | 11 | charge-off rate: 63.6% | 44.2% |
| Golf U.s.a. (retail Golf Equip | 6 | charge-off rate: 50.0% | 46.1% |
| Baskin-Robbins 31 Ice Cream | 8 | charge-off rate: 50.0% | 17.4% |
| Cold Stone Creamery, Inc. | 7 | charge-off rate: 42.9% | 33.9% |
| Hobbytown Usa | 5 | charge-off rate: 40.0% | 14.4% |
| Budget Blinds | 5 | charge-off rate: 40.0% | 17.7% |
| Super 8 | 5 | charge-off rate: 40.0% | 2.4% |
| Tcby | 6 | charge-off rate: 33.3% | 22.8% |
| Super 8 Motel | 6 | charge-off rate: 33.3% | 11.6% |
| Blimpie | 9 | charge-off rate: 33.3% | 30.6% |
Lowest charge-off rates in Kansas
| Franchise | Loans | Default % |
|---|---|---|
| Coast-To-Coast Store | 11 | charge-off rate: 0.0% |
| Daylight Donut Shop | 6 | charge-off rate: 0.0% |
| Great Clips | 13 | charge-off rate: 0.0% |
| Servicemaster | 5 | charge-off rate: 0.0% |
| Fantastic Sam's | 6 | charge-off rate: 0.0% |
| Merle Norman Cosmetics | 5 | charge-off rate: 0.0% |
| Sears Catalog Store | 6 | charge-off rate: 0.0% |
| Temporary Franchises | 5 | charge-off rate: 0.0% |
| Jimmy John's | 8 | charge-off rate: 0.0% |
| Anytime Fitness | 7 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722513 | 133 | $65.6M | charge-off rate: 8.3% | |
| Limited-Service Restaurants722211 | 111 | $26.9M | charge-off rate: 22.5% | |
| Hotels & Motels721110 | 88 | $164.7M | charge-off rate: 12.5% | |
| Fitness & Recreational Sports713940 | 66 | $19.2M | charge-off rate: 29.2% | |
| Snack & Beverage Bars722515 | 41 | $21.6M | charge-off rate: 25.0% | |
| Full-Service Restaurants722110 | 33 | $9.6M | charge-off rate: 31.2% | |
| Hardware Stores444130 | 30 | $8.7M | charge-off rate: 15.4% | |
| Other Personal Care Services812199 | 29 | $9.7M | charge-off rate: 0.0% | |
| Beauty Salons812112 | 28 | $6.6M | charge-off rate: 0.0% | |
| Full-Service Restaurants722511 | 25 | $15.5M | charge-off rate: 20.0% |
Franchise lending volume by year
43'92
52
55
71
51
42'97
36
31
27
30
40'02
41
52
75
42
40'07
39
28
24
38
23'12
30
41
59
62
55'17
47
60
58
57
70'22
64
57
52
10'26
Kansas charge-off rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
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 Kansas received?
- 1,602 loans totaling $646.4M, with 202 charged off. The statewide charge-off rate is 16.4%.
- 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 Kansas?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Kansas 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.