W
SBA 7(a) franchise lending
Wyoming
WY
- Total loans
- 295
- Loan volume
- $122.4M
- Charge-off rate
- 10.8%
- Jobs created
- 2,620
Defaults
27
Avg interest
6.43%
Job velocity
2.1
per $100K loaned
Franchises active
173
Highest charge-off rates in Wyoming
| Franchise | Loans | State % | National % |
|---|---|---|---|
| Coast-To-Coast Store | 5 | charge-off rate: 20.0% | 19.6% |
| Fantastic Sam's | 6 | charge-off rate: 16.7% | 19.1% |
| Koa Kampgrounds(kampgrounds Of | 7 | charge-off rate: 0.0% | 1.5% |
| Domino's Pizza | 8 | charge-off rate: 0.0% | 10.7% |
| Hickory Farms Store | 5 | charge-off rate: 0.0% | 0.0% |
| Blimpie | 7 | charge-off rate: 0.0% | 30.6% |
| Taco John's | 6 | charge-off rate: 0.0% | 22.2% |
| Subway Sandwich Shop | 12 | charge-off rate: 0.0% | 6.1% |
| Culligan Soft Water Service | 6 | charge-off rate: 0.0% | 0.0% |
Lowest charge-off rates in Wyoming
| Franchise | Loans | Default % |
|---|---|---|
| Koa Kampgrounds(kampgrounds Of | 7 | charge-off rate: 0.0% |
| Domino's Pizza | 8 | charge-off rate: 0.0% |
| Hickory Farms Store | 5 | charge-off rate: 0.0% |
| Blimpie | 7 | charge-off rate: 0.0% |
| Taco John's | 6 | charge-off rate: 0.0% |
| Subway Sandwich Shop | 12 | charge-off rate: 0.0% |
| Culligan Soft Water Service | 6 | charge-off rate: 0.0% |
| Fantastic Sam's | 6 | charge-off rate: 16.7% |
| Coast-To-Coast Store | 5 | charge-off rate: 20.0% |
Industry performance (NAICS)
| Industry (NAICS) | Loans | Volume | Default % | Risk |
|---|---|---|---|---|
| Limited-Service Restaurants722211 | 26 | $6.1M | charge-off rate: 3.8% | |
| Hotels & Motels721110 | 22 | $41.6M | charge-off rate: 0.0% | |
| Limited-Service Restaurants722513 | 19 | $10.6M | charge-off rate: 14.3% | |
| Hardware Stores444130 | 11 | $3.7M | charge-off rate: 9.1% | |
| Full-Service Restaurants722110 | 9 | $2.5M | charge-off rate: 25.0% | |
| RV Parks & Campgrounds721211 | 8 | $4.0M | charge-off rate: 0.0% | |
| Full-Service Restaurants722511 | 6 | $4.6M | charge-off rate: 33.3% | |
| Snack & Beverage Bars722515 | 5 | $2.9M | charge-off rate: 0.0% | |
| Automotive Exhaust Repair811112 | 4 | $769K | charge-off rate: 0.0% | |
| Other Specialty Food Stores445299 | 4 | $989K | charge-off rate: 0.0% |
Franchise lending volume by year
6'92
11
17
17
18
10'97
22
10
10
8
4'02
5
8
9
7
13'07
10
3
3
11
3'12
7
6
11
7
6'18
7
5
16
10
7'23
1
6
1'26
Wyoming 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 Wyoming received?
- 295 loans totaling $122.4M, with 27 charged off. The statewide charge-off rate is 10.8%.
- 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 Wyoming?
- The “Highest charge-off rates” and “Lowest charge-off rates” tables above rank the franchise brands operating in Wyoming 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.