M
SBA 7(a) franchise lending
Montana
MT
- Total loans
- 621
- Loan volume
- $226.1M
- Charge-off rate
- 8.0%
- Jobs created
- 6,431
Defaults
42
Avg interest
6.63%
Job velocity
2.8
per $100K loaned
Franchises active
295
Highest charge-off rates in Montana
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Pizza Pro | 5 | charge-off rate: 20.0% | 18.8% |
| Champion Auto Store | 5 | charge-off rate: 20.0% | 21.1% |
| Coast-To-Coast Store | 5 | charge-off rate: 20.0% | 19.6% |
| Radio Shack | 13 | charge-off rate: 15.4% | 19.7% |
| Subway Sandwich Shop | 38 | charge-off rate: 2.6% | 6.1% |
| Koa Kampgrounds(kampgrounds Of | 6 | charge-off rate: 0.0% | 1.5% |
| Papa Murphy's Take & Bake Pizz | 9 | charge-off rate: 0.0% | 5.3% |
| Snap-On-Tools | 7 | charge-off rate: 0.0% | 10.4% |
| Midas Muffler Shop | 7 | charge-off rate: 0.0% | 15.1% |
| Mail Boxes Etc. Usa | 8 | charge-off rate: 0.0% | 12.2% |
Lowest charge-off rates in Montana
| Franchise | Loans | Default % |
|---|---|---|
| Koa Kampgrounds(kampgrounds Of | 6 | charge-off rate: 0.0% |
| Papa Murphy's Take & Bake Pizz | 9 | charge-off rate: 0.0% |
| Snap-On-Tools | 7 | charge-off rate: 0.0% |
| Midas Muffler Shop | 7 | charge-off rate: 0.0% |
| Mail Boxes Etc. Usa | 8 | charge-off rate: 0.0% |
| Culligan Soft Water Service | 9 | charge-off rate: 0.0% |
| Dairy Queen | 10 | charge-off rate: 0.0% |
| Ace Hardware | 5 | charge-off rate: 0.0% |
| Servpro | 6 | charge-off rate: 0.0% |
| Insty-Prints | 8 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722513 | 49 | $20.0M | charge-off rate: 10.3% | |
| Limited-Service Restaurants722211 | 47 | $9.9M | charge-off rate: 4.3% | |
| Fitness & Recreational Sports713940 | 29 | $6.3M | charge-off rate: 5.0% | |
| Hotels & Motels721110 | 23 | $42.8M | charge-off rate: 6.2% | |
| Hardware Stores444130 | 18 | $6.2M | charge-off rate: 6.2% | |
| Full-Service Restaurants722110 | 17 | $6.0M | charge-off rate: 11.8% | |
| 722213722213 | 11 | $1.5M | charge-off rate: 0.0% | |
| Automotive Parts & Accessories441310 | 9 | $2.3M | charge-off rate: 14.3% | |
| Private Mail Centers561431 | 9 | $1.1M | charge-off rate: 0.0% | |
| Sporting Goods Stores451110 | 8 | $1.9M | charge-off rate: 14.3% |
Franchise lending volume by year
21'92
20
33
16
22
24'97
15
23
17
13
18'02
25
17
22
25
10'07
11
24
13
20
13'12
21
18
21
16
17'17
10
15
18
22
15'22
9
8
25
4'26
Montana charge-off rate by loan vintage
BrandNational avg
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 Montana received?
- 621 loans totaling $226.1M, with 42 charged off. The statewide charge-off rate is 8.0%.
- 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 Montana?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Montana 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.