AB
SBA 7(a) franchise lending portfolio
Access Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $2.2M
- Avg loan size
- $224K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.72%
Franchises funded
9
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Style Encore | 2 | $275K | 0.0% (low risk) |
| Sam & Louie's New York Pizza | 1 | $130K | 0.0% (low risk) |
| Curves For Women | 1 | $30K | 0.0% (low risk) |
| Educational Outfitters Franchi | 1 | $160K | 0.0% (low risk) |
| Which Wich | 1 | $300K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $168K | 0.0% (low risk) |
| Speedpro Imaging | 1 | $225K | 0.0% (low risk) |
| Dairy Queen | 1 | $800K | N/A |
| Dickey's Barbecue Pit | 1 | $150K | 0.0% (low risk) |
Lending volume by year
1'01
1'05
1'09
3'10
2'14
2'15
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 Access Bank originated?
- 10 loans totaling $2.2M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Access Bank fund the most?
- The “Top franchise exposures” table above lists the brands Access Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.