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SBA 7(a) franchise lending portfolio
American Momentum Bank
AVERAGE risk
- Total loans
- 36
- Loan volume
- $24.2M
- Avg loan size
- $672K
- Default rate
- 13.3%
- vs 15.4% national avg
Defaults
2
Avg interest
8.27%
Franchises funded
32
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| The Learning Experience | 2 | $2.6M | 0.0% |
| Line-X | 2 | $423K | — |
| Play It Again Sports | 2 | $871K | — |
| Auto Check | 2 | $1.3M | — |
| Kwik Kar Oil & Lube | 1 | $491K | 0.0% |
| Cookies By Design | 1 | $94K | 0.0% |
| Environmental Air Services | 1 | $100K | 0.0% |
| Barnie's Coffee & Tea Company | 1 | $236K | 100.0% |
| Fastsigns | 1 | $65K | 0.0% |
| Planet Beach | 1 | $350K | 100.0% |
| Bono's Pit Bar-B-Q | 1 | $855K | 0.0% |
| All County Property Management | 1 | $489K | — |
| SwimLabs | 1 | $750K | — |
| Music Go Round | 1 | $291K | — |
| City Publications | 1 | $600K | 0.0% |
| MAACO Auto Painting & Bodywork | 1 | $350K | 0.0% |
| Snap Fitness | 1 | $293K | 0.0% |
| LemonShark Poke | 1 | $251K | — |
| Pure Barre | 1 | $200K | 0.0% |
| The Brass Tap | 1 | $275K | 0.0% |
Lending volume by year
1'95
1'01
1'03
2'05
1'08
1'13
1'14
1'15
1'17
2'18
10'19
1'20
2'21
1'23
6'24
4'25
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%).