AB
SBA 7(a) franchise lending portfolio
Affinity Bank, National Association
CRITICAL risk
- Total loans
- 28
- Loan volume
- $27.4M
- Avg loan size
- $980K
- Charge-off rate
- 40.9%
- vs 15.4% national avg
Defaults
9
Avg interest
6.05%
Franchises funded
23
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Mail Boxes Etc. Usa | 3 | $640K | 33.3% (very high risk) |
| Dunkin Donuts | 2 | $723K | 100.0% (very high risk) |
| Baskin-Robbins 31 Ice Cream | 2 | $200K | 100.0% (very high risk) |
| The Goddard School | 2 | $5.6M | 0.0% (low risk) |
| Wicks 'n' Sticks | 1 | $235K | 100.0% (very high risk) |
| All Tune And Lube | 1 | $67K | 100.0% (very high risk) |
| Golf U.s.a. (retail Golf Equip | 1 | $93K | N/A |
| Church's Fried Chicken | 1 | $167K | 0.0% (low risk) |
| Philly Connection | 1 | $106K | 100.0% (very high risk) |
| Gorin's Homemade Ice Cream | 1 | $90K | 0.0% (low risk) |
| Dairy Queen | 1 | $161K | 0.0% (low risk) |
| Firehouse Subs | 1 | $252K | 0.0% (low risk) |
| The Goddard School | 1 | $913K | N/A |
| Surcheros Fresh Grill | 1 | $553K | 100.0% (very high risk) |
| Econo Lodge by Choice Hotels/E | 1 | $2.5M | N/A |
| Sleep Inn by Choice Hotels/Sle | 1 | $3.1M | N/A |
| Super 8 by Wyndhan | 1 | $2.4M | 0.0% (low risk) |
| Church's Chicken | 1 | $132K | 0.0% (low risk) |
| Dairy Queen Grill & Chill/Texa | 1 | $2.1M | N/A |
| Goddard Early Learning Center | 1 | $821K | 0.0% (low risk) |
Lending volume by year
3'95
3'96
2'99
1'00
1'01
2'02
1'03
1'04
2'13
1'14
1'17
8'18
1'20
1'23
Geographic exposure
Portfolio summary
Total funded$27.4M
Defaults9 of 28
Risk tierCRITICAL
Avg rate6.05%
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 Affinity Bank, National Association originated?
- 28 loans totaling $27.4M. The portfolio carries a 40.9% charge-off rate, earning a “CRITICAL” 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 Affinity Bank, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Affinity 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.