AB
SBA 7(a) franchise lending portfolio
American Bank and Trust Company
AVERAGE risk
- Total loans
- 10
- Loan volume
- $2.9M
- Avg loan size
- $285K
- Charge-off rate
- 12.5%
- vs 15.4% national avg
Defaults
1
Avg interest
8.00%
Franchises funded
7
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 3 | $171K | 0.0% (low risk) |
| Kwik Kar Oil & Lube | 2 | $884K | 0.0% (low risk) |
| Kwik Kar Wash | 1 | $493K | 0.0% (low risk) |
| Comet One-Hour Dry Cleaners | 1 | $207K | 0.0% (low risk) |
| Golf U.s.a. (retail Golf Equip | 1 | $150K | 100.0% (very high risk) |
| Sugar Llamas - License Agreeme | 1 | $298K | N/A |
| Big Whiskey's American Restaur | 1 | $650K | N/A |
Lending volume by year
1'94
5'95
1'96
1'02
1'21
1'23
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 American Bank and Trust Company originated?
- 10 loans totaling $2.9M. The portfolio carries a 12.5% charge-off rate, earning a “AVERAGE” 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 American Bank and Trust Company fund the most?
- The “Top franchise exposures” table above lists the brands American Bank and Trust Company has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.