AB
SBA 7(a) franchise lending portfolio
Academy Bank National Association
ELEVATED risk
- Total loans
- 38
- Loan volume
- $6.0M
- Avg loan size
- $158K
- Charge-off rate
- 16.2%
- vs 15.4% national avg
Defaults
6
Avg interest
6.27%
Franchises funded
30
Risk rating
ELEVATED
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Pakmail Centers Of America | 3 | $180K | 0.0% (low risk) |
| Fantastic Sam's | 3 | $200K | 33.3% (very high risk) |
| Computer Renaissance | 3 | $330K | 33.3% (very high risk) |
| Play It Again Sports (retail S | 2 | $155K | 0.0% (low risk) |
| Supercuts | 2 | $200K | 0.0% (low risk) |
| 2001 Flavors | 1 | $100K | 0.0% (low risk) |
| Learning Express | 1 | $150K | 0.0% (low risk) |
| Merle Norman Cosmetics | 1 | $38K | 0.0% (low risk) |
| I Can't Believe It's Yogurt | 1 | $132K | 0.0% (low risk) |
| Century 21 | 1 | $150K | 0.0% (low risk) |
| Manhattan Bagel Co. | 1 | $100K | 0.0% (low risk) |
| Novus Windshield Repair | 1 | $100K | 0.0% (low risk) |
| Big Apple Bagels | 1 | $170K | 0.0% (low risk) |
| Tutor Time | 1 | $140K | 0.0% (low risk) |
| Chesapeake Bagel Bakery | 1 | $300K | 0.0% (low risk) |
| Sports Replay | 1 | $80K | 100.0% (very high risk) |
| Beef O'brady's | 1 | $100K | 0.0% (low risk) |
| Boston's The Gourmet Pizza | 1 | $650K | 0.0% (low risk) |
| Sports Clips | 1 | $110K | 0.0% (low risk) |
| Cousins Submarines (restaurant | 1 | $200K | 100.0% (very high risk) |
Lending volume by year
1'92
1
1
4
4
3'97
1
6
1
1
1'02
1
3
1
2
1'14
1
1
1
1
2'23
Academy Bank National Association charge-off rate by loan vintage
BrandNational avg
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Academy Bank National Association originated?
- 38 loans totaling $6.0M. The portfolio carries a 16.2% charge-off rate, earning a “ELEVATED” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Academy Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands Academy Bank National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.