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SBA 7(a) franchise lending portfolio
American Pride Bank
EXCELLENT risk
- Total loans
- 39
- Loan volume
- $102.6M
- Avg loan size
- $2.6M
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.12%
Franchises funded
27
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Baymont Inn & Suites | 4 | $8.9M | 0.0% |
| Days Inn | 3 | $8.6M | 0.0% |
| Days Inn by Wyndham | 3 | $9.8M | 0.0% |
| Microtel Inn And Suites | 2 | $4.4M | 0.0% |
| Quality Inn by Choice Hotels / | 2 | $6.5M | 0.0% |
| Quality Inn/Quality Suites, Ho | 2 | $3.4M | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 2 | $5.5M | 0.0% |
| Best Western - Membership Agre | 2 | $9.2M | — |
| Sleep Inn/Sleep Inn & Suites | 1 | $1.4M | 0.0% |
| SureStay | 1 | $1.3M | 0.0% |
| Shell Service Station | 1 | $1.0M | 0.0% |
| Super 8 by Wyndhan | 1 | $2.0M | 0.0% |
| Rodeway Inn by Choice Hotels/R | 1 | $925K | — |
| Budgetel | 1 | $4.0M | 0.0% |
| Candlewood Suites | 1 | $4.2M | 0.0% |
| Red Roof Inn | 1 | $2.6M | 0.0% |
| Pestmaster Services | 1 | $1.1M | — |
| Wingate Inns/Wingate Inns & Su | 1 | $3.5M | 0.0% |
| Super 8 | 1 | $1.3M | — |
| Chevron (gas Station) | 1 | $965K | 0.0% |
Lending volume by year
1'13
4'14
4'15
5'16
6'17
4'18
4'19
1'20
5'21
1'22
1'24
3'25
American Pride Bank default rate by loan vintage
BrandNational avg
Geographic exposure
110.0%
70.0%
70.0%
40.0%
20.0%
20.0%
1—
1—
10.0%
Portfolio summary
Total funded$102.6M
Defaults0 of 39
Risk tierEXCELLENT
Avg rate6.12%
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%).