AB
SBA 7(a) franchise lending portfolio
American Bank, National Association
AVERAGE risk
- Total loans
- 20
- Loan volume
- $36.1M
- Avg loan size
- $1.8M
- Charge-off rate
- 12.5%
- vs 15.4% national avg
Defaults
1
Avg interest
6.97%
Franchises funded
12
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Starbucks Master Licensing Agr | 6 | $4.8M | N/A |
| Best Western - Membership Agre | 3 | $8.1M | 0.0% (low risk) |
| Motel 6 | 2 | $5.9M | 0.0% (low risk) |
| Pizza Ranch | 1 | $103K | 0.0% (low risk) |
| Radio Shack | 1 | $48K | 100.0% (very high risk) |
| Super 8 by Wyndhan | 1 | $1.0M | 0.0% (low risk) |
| La Quinta by Wyndham a.k.a. La | 1 | $3.0M | 0.0% (low risk) |
| Days Inn by Wyndham | 1 | $2.2M | 0.0% (low risk) |
| Extended Stay America Suites f | 1 | $3.7M | N/A |
| Comfort Suites by Choice Hotel | 1 | $1.5M | N/A |
| Americas Best Value Inn | 1 | $1.3M | 0.0% (low risk) |
| Trademark Collection by Wyndha | 1 | $4.5M | N/A |
Lending volume by year
1'98
1'99
2'20
2'21
5'22
1'23
6'25
2'26
American Bank, National Association charge-off rate by loan vintage
BrandNational avg
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, National Association originated?
- 20 loans totaling $36.1M. 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, National Association fund the most?
- The “Top franchise exposures” table above lists the brands American 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.