KFC: how its 38 SBA loans actually performed
Limited-Service Restaurants · 38 units financed with SBA 7(a) loans since 2010 · 27 lenders have funded this brand.
No defaults on record
None of the 27 seasoned SBA loans to KFC charged off within seven years — a 0.0% rate, 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 |
|---|---|
| The State Bank and Trust Company | 4 |
| The Huntington National Bank | 4 |
| Celtic Bank Corporation | 3 |
| United Pacific Bank | 3 |
| SouthState Bank, National Association | 2 |
| Lake Trust CU | 1 |
27 lenders have funded KFC since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
KFC 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 KFC SBA loans have defaulted?
0 of 27 seasoned KFC SBA 7(a) loans charged off within seven years — a 0.0% default rate, against 5.7% across all SBA 7(a) loans.
Is a KFC 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 KFC franchises?
27 lenders have made SBA loans to KFC since 2010, led by The State Bank and Trust Company.