K
SBA 7(a) franchise lending
Kentucky
KY
- Total loans
- 1,570
- Loan volume
- $741.3M
- Charge-off rate
- 16.9%
- Jobs created
- 22,406
Defaults
196
Avg interest
6.72%
Job velocity
3.0
per $100K loaned
Franchises active
713
Highest charge-off rates in Kentucky
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Buffalo Wings & Rings | 5 | charge-off rate: 80.0% | 39.5% |
| Beef O'brady's | 7 | charge-off rate: 71.4% | 55.0% |
| Mellow Mushroom | 6 | charge-off rate: 66.7% | 13.6% |
| Orange Leaf Frozen Yogurt | 5 | charge-off rate: 60.0% | 41.7% |
| Quiznos | 21 | charge-off rate: 52.4% | 28.1% |
| All Tune And Lube | 6 | charge-off rate: 50.0% | 43.9% |
| Great Harvest Bread Co. | 5 | charge-off rate: 40.0% | 12.7% |
| Matco Tools (rent Tools) | 5 | charge-off rate: 40.0% | 34.8% |
| Play It Again Sports (retail S | 6 | charge-off rate: 33.3% | 16.2% |
| Cottman Transmission | 6 | charge-off rate: 33.3% | 36.8% |
Lowest charge-off rates in Kentucky
| Franchise | Loans | Default % |
|---|---|---|
| Papa John's Pizza | 7 | charge-off rate: 0.0% |
| Howard Johnson | 7 | charge-off rate: 0.0% |
| Ace Hardware | 7 | charge-off rate: 0.0% |
| Great Clips | 5 | charge-off rate: 0.0% |
| Little Ceasar's Pizza | 12 | charge-off rate: 0.0% |
| Servpro | 16 | charge-off rate: 0.0% |
| Giovanni's Pizza | 6 | charge-off rate: 0.0% |
| Snap Fitness | 6 | charge-off rate: 0.0% |
| The UPS Store | 5 | charge-off rate: 0.0% |
| Penn Station, Inc. | 6 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 161 | $39.3M | charge-off rate: 15.1% | |
| Hotels & Motels721110 | 140 | $257.5M | charge-off rate: 9.7% | |
| Limited-Service Restaurants722513 | 132 | $74.0M | charge-off rate: 7.7% | |
| Full-Service Restaurants722110 | 87 | $21.2M | charge-off rate: 29.1% | |
| Full-Service Restaurants722511 | 72 | $36.7M | charge-off rate: 27.5% | |
| Fitness & Recreational Sports713940 | 53 | $19.4M | charge-off rate: 10.3% | |
| Snack & Beverage Bars722515 | 37 | $15.2M | charge-off rate: 21.4% | |
| Janitorial Services561720 | 33 | $8.1M | charge-off rate: 11.8% | |
| General Automotive Repair811111 | 20 | $5.1M | charge-off rate: 40.0% | |
| Other Personal Care Services812199 | 19 | $7.6M | charge-off rate: 25.0% |
Franchise lending volume by year
12'92
7
20
32
42
35'97
17
21
31
22
36'02
50
68
51
45
51'07
37
35
57
47
40'12
34
55
59
60
78'17
60
50
39
93
53'22
71
70
78
14'26
Kentucky 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 Kentucky received?
- 1,570 loans totaling $741.3M, with 196 charged off. The statewide charge-off rate is 16.9%.
- 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 Kentucky?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Kentucky 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.