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SBA 7(a) franchise lending
Missouri
MO
- Total loans
- 2,927
- Loan volume
- $1.2B
- Default 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 default rates in Missouri
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Cheezteak Company | 5 | 100.0% | 100.0% |
| Orange Leaf Frozen Yogurt | 6 | 83.3% | 41.7% |
| Fantastic Sams | 5 | 80.0% | 40.0% |
| Petland | 10 | 50.0% | 44.2% |
| Midas Muffler Shop | 8 | 50.0% | 15.1% |
| Golf U.s.a. (retail Golf Equip | 6 | 50.0% | 46.1% |
| AAMCO Transmissions | 10 | 50.0% | 31.8% |
| NAPA Auto Parts | 5 | 40.0% | 9.5% |
| Merle Norman Cosmetics | 5 | 40.0% | 20.0% |
| Menchie's | 5 | 40.0% | 18.1% |
Lowest default rates in Missouri
| Franchise | Loans | Default % |
|---|---|---|
| Fantastic Sam's | 15 | 0.0% |
| Servpro | 10 | 0.0% |
| Culligan Soft Water Service | 9 | 0.0% |
| Mail Boxes Etc. Usa | 24 | 0.0% |
| Children's Orchard (retail Clo | 10 | 0.0% |
| Papa John's Pizza | 5 | 0.0% |
| Mr. Bulky's Foods | 5 | 0.0% |
| Little Ceasar's Pizza | 12 | 0.0% |
| Chrysler | 5 | 0.0% |
| H & R Block | 6 | 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 257 | $57.7M | 19.5% | |
| Limited-Service Restaurants722513 | 237 | $133.5M | 15.3% | |
| Fitness & Recreational Sports713940 | 155 | $41.7M | 12.0% | |
| Hotels & Motels721110 | 155 | $282.7M | 17.9% | |
| Full-Service Restaurants722110 | 117 | $34.7M | 17.1% | |
| Full-Service Restaurants722511 | 71 | $43.8M | 11.4% | |
| Snack & Beverage Bars722515 | 67 | $36.5M | 18.2% | |
| Other Personal Care Services812199 | 50 | $21.6M | 13.9% | |
| Beauty Salons812112 | 50 | $10.2M | 11.6% | |
| Private Mail Centers561431 | 40 | $8.9M | 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 default 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
Default rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Job velocity = jobs created per $100K loaned.