Citizens Bank Smoothie King SBA Loans in Texas — 8 Funded
Texas loan data 2016–2022 · Updated June 2026
Citizens Bank has funded 8 SBA loans to Smoothie King franchisees in Texas, totaling $3.1M in approved financing across 8 cities and 7 congressional districts.
The average Smoothie King loan in Texas from Citizens Bank is $387K at a 5.97% average interest rate, with terms averaging 124 months. The Texas default rate is 0% based on 5 resolved loans. Texas represents 20.0% of Citizens Bank's total Smoothie King lending nationally. These loans collectively support 101 Texas jobs. SBA-guaranteed portion totals $2.4M (76.9% of approved volume).
How Texas Compares to Citizens Bank's National Smoothie King Lending
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Citizens Bank is one of 11+ lenders who have funded Smoothie King in Texas. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
Citizens Bank Smoothie King Loan Performance in Texas
Based on 8 SBA loans originated by Citizens Bank for Smoothie King franchisees with Texas addresses, the Texas-specific lending relationship spans 2016–2022. Of 5 resolved Texas loans, 5 were paid in full and 0 resulted in chargeoffs.
The Texas loan size range extends from $295K to $596K, indicating Citizens Bank funds both smaller single-unit Smoothie King operations and larger multi-unit or renovation projects in Texas. Each loan supports an average of 13 jobs in the local economy, and the portfolio collectively supports 101 Texas jobs. Most Texas Smoothie King loans from Citizens Bank are classified under "Snack and Nonalcoholic Beverage Bars" (NAICS).
Recent activity: Citizens Bank has originated 0 Smoothie King Texas loans in the last 2 fiscal years and 5 since fiscal year 2020. The most recent Smoothie King Texas approval recorded is from FY2022. Note: lack of recent activity may indicate Citizens Bank has paused, slowed, or exited Smoothie King Texas lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of Citizens Bank's Smoothie King Texas loans averages 76.9% of approved volume, totaling $2.4M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 0% Texas default rate is a strong indicator of loan quality. This suggestsCitizens Bank has effective underwriting standards for Smoothie King deals in Texas and/or Texas Smoothie King franchisees have strong unit economics that support debt service. For prospective Texas borrowers, this is an encouraging signal — Citizens Bankunderstands the Smoothie King business model in this market and has a track record of successful outcomes here.
SBA Programs Used for Smoothie King Loans in Texas
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 8 | $387K | 5.97% | 124 mo |
Smoothie King Loan Size Distribution from Citizens Bank in Texas
How Citizens Bank's Smoothie King Texas loan sizes break down by deal size. Useful for sizing your own deal: where do most Texas Smoothie King approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Texas Loans |
|---|---|---|---|
| $150K-$350K | 3 | $308K | 38% |
| $350K-$750K | 5 | $435K | 63% |
How Citizens Bank Originates Smoothie King Loans in Texas
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. Citizens Bank uses 2 different Texas delivery methods for Smoothie King:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 6 | $412K |
| Small Loan Advantage Initiative | 2 | $315K |
Where in Texas Citizens Bank Funds Smoothie King Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Carrollton | 1 | $350K | $350K | 0% — Low Risk |
| Sugar Land | 1 | $379K | $379K | N/A |
| Kingwood | 1 | $432K | $432K | 0% — Low Risk |
| Cypress | 1 | $596K | $596K | 0% — Low Risk |
| Waxahachie | 1 | $325K | $325K | 0% — Low Risk |
| Sugar Land | 1 | $419K | $419K | N/A |
| Live Oak | 1 | $304K | $304K | 0% — Low Risk |
| Mesquite | 1 | $295K | $295K | N/A |
Citizens Bank's strongest Smoothie King lending presence in Texas is concentrated in Carrollton (1 loans), Sugar Land (1 loans), Kingwood (1 loans).
Citizens Bank Smoothie King Lending in Texas Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2022 | 1 | $596K | $596K | 5.5% |
| 2021 | 3 | $387K | $1.2M | 6% |
| 2020 | 1 | $419K | $419K | 5% |
| 2017 | 1 | $295K | $295K | 6.75% |
| 2016 | 2 | $315K | $629K | 6.25% |
Other Lenders That Fund Smoothie King in Texas
Citizens Bank is not the only lender funding Smoothie King in Texas. Compare 10 other banks who have originated Smoothie King SBA loans to Texas borrowers.
| Lender | Texas Loans | Avg Size | Default Rate |
|---|---|---|---|
| Citizens Bank (this page) | 8 | $387K | 0% — Low Risk |
| JPMorgan Chase Bank, National Association | 15 | $173K | 28.6% — High Risk |
| Frost Bank | 14 | $208K | 0% — Low Risk |
| PNC Bank, National Association | 13 | $201K | 20% — High Risk |
| Popular Bank | 9 | $93K | 25% — High Risk |
| Comerica Bank | 8 | $122K | 37.5% — High Risk |
| Simmons Bank | 7 | $222K | 0% — Low Risk |
| United Community Bank | 6 | $423K | 0% — Low Risk |
| Capital One, National Association | 6 | $331K | 0% — Low Risk |
| Wells Fargo Bank National Association | 6 | $242K | 0% — Low Risk |
| SouthState Bank, National Association | 5 | $208K | 25% — High Risk |
Other Franchises Citizens Bank Funds in Texas
Citizens Bank is active in Texas franchise lending beyond Smoothie King. Other Texas franchise brands they have funded:
Citizens Bank Smoothie King Lending in Other States
Citizens Bank has also funded Smoothie King franchisees in 3 other states. View state-specific data:
How to Get an SBA Loan for a Smoothie King Franchise in Texas
If you're considering a Smoothie King franchise in Texas and want to finance through Citizens Bank or another SBA lender, here's what you need to know based on our analysis of 8 historical Texas loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Smoothie King's franchise fee and total investment determine minimum capital requirements.
Compare Texas Lenders
11 lenders have funded Smoothie King in Texas. Lenders with more local Smoothie King experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches Texas borrowers with lenders who have a proven track record funding Smoothie King in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on Texas historical data: The average Smoothie King SBA loan from Citizens Bank in Texas is $387K with a 5.97% interest rate and a 124-month term.Texas loan amounts range from $295K to $596K.
Ready to Fund Your Smoothie King Franchise in Texas?
We connect you with lenders who have already funded Smoothie King in Texas — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.