M
SBA 7(a) franchise lending
Missouri
MO
- Total loans
- 2,927
- Loan volume
- $1.2B
- Charge-off rate
- 17.1%
- Jobs created
- 35,804
Defaults
388
Avg interest
6.89%
Job velocity
3.0
per $100K loaned
Franchises active
1,085
Highest charge-off rates in Missouri
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Cheezteak Company | 5 | charge-off rate: 100.0% | 100.0% |
| Orange Leaf Frozen Yogurt | 6 | charge-off rate: 83.3% | 41.7% |
| Fantastic Sams | 5 | charge-off rate: 80.0% | 40.0% |
| Petland | 10 | charge-off rate: 50.0% | 44.2% |
| Midas Muffler Shop | 8 | charge-off rate: 50.0% | 15.1% |
| Golf U.s.a. (retail Golf Equip | 6 | charge-off rate: 50.0% | 46.1% |
| AAMCO Transmissions | 10 | charge-off rate: 50.0% | 31.8% |
| NAPA Auto Parts | 5 | charge-off rate: 40.0% | 9.5% |
| Merle Norman Cosmetics | 5 | charge-off rate: 40.0% | 20.0% |
| Menchie's | 5 | charge-off rate: 40.0% | 18.1% |
Lowest charge-off rates in Missouri
| Franchise | Loans | Default % |
|---|---|---|
| Fantastic Sam's | 15 | charge-off rate: 0.0% |
| Servpro | 10 | charge-off rate: 0.0% |
| Culligan Soft Water Service | 9 | charge-off rate: 0.0% |
| Mail Boxes Etc. Usa | 24 | charge-off rate: 0.0% |
| Children's Orchard (retail Clo | 10 | charge-off rate: 0.0% |
| Papa John's Pizza | 5 | charge-off rate: 0.0% |
| Mr. Bulky's Foods | 5 | charge-off rate: 0.0% |
| Little Ceasar's Pizza | 12 | charge-off rate: 0.0% |
| Chrysler | 5 | charge-off rate: 0.0% |
| H & R Block | 6 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 257 | $57.7M | charge-off rate: 19.5% | |
| Limited-Service Restaurants722513 | 237 | $133.5M | charge-off rate: 15.3% | |
| Fitness & Recreational Sports713940 | 155 | $41.7M | charge-off rate: 12.0% | |
| Hotels & Motels721110 | 155 | $282.7M | charge-off rate: 17.9% | |
| Full-Service Restaurants722110 | 117 | $34.7M | charge-off rate: 17.1% | |
| Full-Service Restaurants722511 | 71 | $43.8M | charge-off rate: 11.4% | |
| Snack & Beverage Bars722515 | 67 | $36.5M | charge-off rate: 18.2% | |
| Other Personal Care Services812199 | 50 | $21.6M | charge-off rate: 13.9% | |
| Beauty Salons812112 | 50 | $10.2M | charge-off rate: 11.6% | |
| Private Mail Centers561431 | 40 | $8.9M | charge-off rate: 0.0% |
Franchise lending volume by year
39'92
64
68
118
89
74'97
58
59
62
56
88'02
97
139
116
65
76'07
65
43
48
58
62'12
63
99
109
123
93'17
113
105
84
137
111'22
123
92
114
17'26
Missouri 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 Missouri received?
- 2,927 loans totaling $1176.1M, with 388 charged off. The statewide charge-off rate is 17.1%.
- 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 Missouri?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Missouri 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.