O
SBA 7(a) franchise lending
Oklahoma
OK
- Total loans
- 1,599
- Loan volume
- $765.3M
- Charge-off rate
- 18.1%
- Jobs created
- 20,034
Defaults
215
Avg interest
6.68%
Job velocity
2.6
per $100K loaned
Franchises active
661
Highest charge-off rates in Oklahoma
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Chicken Salad Chick | 5 | charge-off rate: 100.0% | 38.5% |
| Cornwell Quality Tool Company, | 10 | charge-off rate: 80.0% | 35.4% |
| Golf U.s.a. (retail Golf Equip | 8 | charge-off rate: 50.0% | 46.1% |
| MAACO Auto Painting Center | 6 | charge-off rate: 50.0% | 20.9% |
| Ace Hardware | 6 | charge-off rate: 50.0% | 14.8% |
| Servpro | 6 | charge-off rate: 50.0% | 7.3% |
| Alta Mere Window Tinting & Aut | 11 | charge-off rate: 45.5% | 37.9% |
| Matco Tools (rent Tools) | 14 | charge-off rate: 42.9% | 34.8% |
| AAMCO Transmissions | 7 | charge-off rate: 42.9% | 31.8% |
| Minuteman Press | 5 | charge-off rate: 40.0% | 24.0% |
Lowest charge-off rates in Oklahoma
| Franchise | Loans | Default % |
|---|---|---|
| Best Western Inn | 7 | charge-off rate: 0.0% |
| Snap-On-Tools | 8 | charge-off rate: 0.0% |
| Curves For Women | 14 | charge-off rate: 0.0% |
| Kentucky Fried Chicken | 6 | charge-off rate: 0.0% |
| Days Inn | 10 | charge-off rate: 0.0% |
| Midas Muffler Shop | 5 | charge-off rate: 0.0% |
| Precision Tune | 5 | charge-off rate: 0.0% |
| Little Ceasar's Pizza | 5 | charge-off rate: 0.0% |
| Mazzio's Pizza | 10 | charge-off rate: 0.0% |
| Christian Brothers Automotive | 10 | charge-off rate: 0.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 175 | $43.0M | charge-off rate: 17.7% | |
| Limited-Service Restaurants722513 | 166 | $73.4M | charge-off rate: 16.8% | |
| Hotels & Motels721110 | 99 | $230.5M | charge-off rate: 11.8% | |
| Full-Service Restaurants722110 | 88 | $27.7M | charge-off rate: 11.4% | |
| Fitness & Recreational Sports713940 | 57 | $17.0M | charge-off rate: 5.3% | |
| Full-Service Restaurants722511 | 51 | $26.7M | charge-off rate: 16.7% | |
| General Automotive Repair811111 | 36 | $13.1M | charge-off rate: 32.0% | |
| Snack & Beverage Bars722515 | 26 | $17.4M | charge-off rate: 33.3% | |
| Hardware Stores444130 | 24 | $5.3M | charge-off rate: 31.8% | |
| Child Day Care Services624410 | 23 | $42.0M | charge-off rate: 0.0% |
Franchise lending volume by year
26'92
24
37
57
45
21'97
34
32
40
37
51'02
59
53
72
53
48'07
33
24
31
33
37'12
32
42
59
53
38'17
63
53
50
91
82'22
79
55
47
8'26
Oklahoma 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 Oklahoma received?
- 1,599 loans totaling $765.3M, with 215 charged off. The statewide charge-off rate is 18.1%.
- 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 Oklahoma?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Oklahoma 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.