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SBA 7(a) franchise lending portfolio
American Bank and Trust Company
AVERAGE risk
- Total loans
- 10
- Loan volume
- $2.9M
- Avg loan size
- $285K
- Default 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% |
| Kwik Kar Oil & Lube | 2 | $884K | 0.0% |
| Kwik Kar Wash | 1 | $493K | 0.0% |
| Comet One-Hour Dry Cleaners | 1 | $207K | 0.0% |
| Golf U.s.a. (retail Golf Equip | 1 | $150K | 100.0% |
| Sugar Llamas - License Agreeme | 1 | $298K | — |
| Big Whiskey's American Restaur | 1 | $650K | — |
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
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%).