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SBA 7(a) franchise lending portfolio
American Bank and Trust
GOOD risk
- Total loans
- 13
- Loan volume
- $3.2M
- Avg loan size
- $244K
- Default rate
- 8.3%
- vs 15.4% national avg
Defaults
1
Avg interest
5.83%
Franchises funded
9
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Coast-To-Coast Store | 3 | $208K | 0.0% |
| Pizza Ranch | 3 | $522K | 0.0% |
| Sinclair Service Station | 1 | $95K | 0.0% |
| Athlete's Foot | 1 | $110K | 0.0% |
| Snap-On-Tools | 1 | $40K | 0.0% |
| Mail Boxes Etc. Usa | 1 | $85K | 100.0% |
| Dairy Queen | 1 | $245K | 0.0% |
| Papa Murphy's Take & Bake Pizz | 1 | $193K | 0.0% |
| Best Western - Membership Agre | 1 | $1.7M | — |
Lending volume by year
3'92
2'93
1'94
1'96
1'97
2'98
1'08
1'11
1'19
Geographic exposure
138.3%
Portfolio summary
Total funded$3.2M
Defaults1 of 13
Risk tierGOOD
Avg rate5.83%
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%).