Encore Bank
Headquartered in LITTLE ROCK, AR. Analysis based on 126 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $85.8M.
Total 7(a) loans
126
Total approved
$85.8M
Average loan
$681K
States funded in
13
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
28.40%
Average rate
8.63%
Average term
134 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 561790 | Other Services to Buildings and Dwellings | 9 |
| 722513 | Limited-Service Restaurants | 8 |
| 722511 | Full-Service Restaurants | 8 |
| 812112 | Beauty Salons | 7 |
| 541519 | Other Computer Related Services | 5 |
| 713990 | All Other Amusement and Recreation Industries | 4 |
| 484110 | General Freight Trucking, Local | 4 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 4 |
| 323111 | Commercial Gravure Printing | 3 |
| 812990 | All Other Personal Services | 3 |
Top 10 states
| State | Loans |
|---|---|
| TX | 60 |
| FL | 20 |
| AR | 17 |
| TN | 7 |
| MO | 6 |
| CO | 4 |
| NC | 4 |
| OK | 2 |
| MI | 2 |
| UT | 1 |
Top franchise brands financed
34 franchise loans across 20 distinct brands.
| Franchise | Loans |
|---|---|
| Blue Kangaroo Packoutz | 7 |
| Vital Care | 3 |
| Crumbl | 3 |
| Biggby Coffee | 2 |
| Servpro | 2 |
| Club Pilates | 2 |
| Supercuts | 2 |
| The Brass Tap | 1 |
| Hotworx | 1 |
| Federico's Mexican Food Restau | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.