AF
SBA 7(a) franchise lending portfolio
American First National Bank
CRITICAL risk
- Total loans
- 10
- Loan volume
- $3.1M
- Avg loan size
- $309K
- Charge-off rate
- 40.0%
- vs 15.4% national avg
Defaults
4
Avg interest
N/A
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| All Tune And Lube | 2 | $645K | 50.0% (very high risk) |
| All-American Hero | 1 | $804K | 100.0% (very high risk) |
| Cold Stone Creamery, Inc. | 1 | $265K | 100.0% (very high risk) |
| Hobbytown Usa | 1 | $272K | 0.0% (low risk) |
| Purified Water To Go | 1 | $100K | 100.0% (very high risk) |
| Massage Envy | 1 | $237K | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $126K | 0.0% (low risk) |
| Pizza Inn | 1 | $431K | 0.0% (low risk) |
| Ron's Hamburgers & Chili | 1 | $213K | 0.0% (low risk) |
Lending volume by year
1'00
1'04
5'05
1'06
2'08
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 First National Bank originated?
- 10 loans totaling $3.1M. The portfolio carries a 40.0% charge-off rate, earning a “CRITICAL” 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 First National Bank fund the most?
- The “Top franchise exposures” table above lists the brands American First National Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.