CHURCH'S CHICKEN: how its 39 SBA loans actually performed
Limited-Service Restaurants · 39 units financed with SBA 7(a) loans since 2010 · 25 lenders have funded this brand.
Defaults run at or below the SBA-wide average
1 of 27 seasoned units charged off — 3.7%, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| UMB Bank, National Association | 5 |
| Wallis Bank | 3 |
| Byline Bank | 3 |
| Plains State Bank | 2 |
| First Utah Bank | 2 |
| First Community Bank | 2 |
25 lenders have funded CHURCH'S CHICKEN since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
CHURCH'S CHICKEN is a smaller-sample brand: 27 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 27 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many CHURCH'S CHICKEN SBA loans have defaulted?
1 of 27 seasoned CHURCH'S CHICKEN SBA 7(a) loans charged off within seven years — a 3.7% default rate, against 5.7% across all SBA 7(a) loans.
Is a CHURCH'S CHICKEN franchise a safe SBA loan bet?
By the numbers its default rate is below the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 27 loans it is a smaller sample than our flagship brands.
Which lenders fund CHURCH'S CHICKEN franchises?
25 lenders have made SBA loans to CHURCH'S CHICKEN since 2010, led by UMB Bank, National Association.