First Horizon Bank
Headquartered in MEMPHIS, TN. Analysis based on 210 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $249.6M.
Total 7(a) loans
210
Total approved
$249.6M
Average loan
$1.2M
States funded in
14
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
32.68%
Average rate
7.07%
Average term
172 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 9 |
| 238990 | All Other Specialty Trade Contractors | 8 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 8 |
| 722511 | Full-Service Restaurants | 7 |
| 722513 | Limited-Service Restaurants | 5 |
| 811111 | General Automotive Repair | 5 |
| 236118 | Residential Remodelers | 4 |
| 621310 | Offices of Chiropractors | 4 |
| 541211 | Offices of Certified Public Accountants | 4 |
| 541330 | Engineering Services | 4 |
Top 10 states
| State | Loans |
|---|---|
| TN | 46 |
| FL | 45 |
| LA | 39 |
| GA | 24 |
| NC | 19 |
| TX | 14 |
| SC | 9 |
| AL | 4 |
| AR | 3 |
| NY | 2 |
Top franchise brands financed
27 franchise loans across 22 distinct brands.
| Franchise | Loans |
|---|---|
| British Swim School | 2 |
| Row House | 2 |
| D1T raining | 2 |
| The UPS Store (f/k/a Mail Box | 2 |
| Woodhouse Day Spa / Woodhouse | 2 |
| WaveTech Therapy | 1 |
| Stanley Steemer | 1 |
| HomeSmart International | 1 |
| Charleys Philly Steaks | 1 |
| Peace, Love & Little Donuts | 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.