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SBA 7(a) franchise lending portfolio
American First National Bank
CRITICAL risk
- Total loans
- 10
- Loan volume
- $3.1M
- Avg loan size
- $309K
- Default rate
- 40.0%
- vs 15.4% national avg
Defaults
4
Avg interest
—
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| All Tune And Lube | 2 | $645K | 50.0% |
| All-American Hero | 1 | $804K | 100.0% |
| Cold Stone Creamery, Inc. | 1 | $265K | 100.0% |
| Hobbytown Usa | 1 | $272K | 0.0% |
| Purified Water To Go | 1 | $100K | 100.0% |
| Massage Envy | 1 | $237K | 0.0% |
| Subway Sandwich Shop | 1 | $126K | 0.0% |
| Pizza Inn | 1 | $431K | 0.0% |
| Ron's Hamburgers & Chili | 1 | $213K | 0.0% |
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
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%).