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SBA 7(a) franchise lending portfolio
American Bank
CRITICAL risk
- Total loans
- 22
- Loan volume
- $31.5M
- Avg loan size
- $1.4M
- Default rate
- 50.0%
- vs 15.4% national avg
Defaults
2
Avg interest
8.74%
Franchises funded
16
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Planet Beach | 2 | $125K | 100.0% |
| Extended Stay America Suites f | 2 | $2.6M | — |
| Best Choice Roofing | 2 | $394K | — |
| Sonesta Simply Suites | 2 | $10.0M | — |
| Sonesta ES Suites | 2 | $10.0M | — |
| T-Swirl Crepe | 2 | $649K | — |
| Coast-To-Coast Store | 1 | $150K | 0.0% |
| Aaron's Sales & Lease Ownershi | 1 | $200K | 0.0% |
| Johnny's Pizza House | 1 | $241K | — |
| Luv 2 Play | 1 | $813K | — |
| Blue Kangaroo Packoutz | 1 | $75K | — |
| RE/MAX Southwest Region | 1 | $68K | — |
| Monster Mini Golf | 1 | $5.0M | — |
| Zivel | 1 | $352K | — |
| Insulation Commandos | 1 | $150K | — |
| Dickey's Barbecue Pit | 1 | $700K | — |
Lending volume by year
1'93
1'12
3'21
1'22
2'23
6'24
4'25
4'26
Geographic exposure
Portfolio summary
Total funded$31.5M
Defaults2 of 22
Risk tierCRITICAL
Avg rate8.74%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default 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%), Critical (>20%).