AP
SBA 7(a) franchise lending portfolio
American Pride Bank
EXCELLENT risk
- Total loans
- 39
- Loan volume
- $102.6M
- Avg loan size
- $2.6M
- Charge-off 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% (low risk) |
| Days Inn | 3 | $8.6M | 0.0% (low risk) |
| Days Inn by Wyndham | 3 | $9.8M | 0.0% (low risk) |
| Microtel Inn And Suites | 2 | $4.4M | 0.0% (low risk) |
| Quality Inn by Choice Hotels / | 2 | $6.5M | 0.0% (low risk) |
| Quality Inn/Quality Suites, Ho | 2 | $3.4M | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 2 | $5.5M | 0.0% (low risk) |
| Best Western - Membership Agre | 2 | $9.2M | N/A |
| Sleep Inn/Sleep Inn & Suites | 1 | $1.4M | 0.0% (low risk) |
| SureStay | 1 | $1.3M | 0.0% (low risk) |
| Shell Service Station | 1 | $1.0M | 0.0% (low risk) |
| Super 8 by Wyndhan | 1 | $2.0M | 0.0% (low risk) |
| Rodeway Inn by Choice Hotels/R | 1 | $925K | N/A |
| Budgetel | 1 | $4.0M | 0.0% (low risk) |
| Candlewood Suites | 1 | $4.2M | 0.0% (low risk) |
| Red Roof Inn | 1 | $2.6M | 0.0% (low risk) |
| Pestmaster Services | 1 | $1.1M | N/A |
| Wingate Inns/Wingate Inns & Su | 1 | $3.5M | 0.0% (low risk) |
| Super 8 | 1 | $1.3M | N/A |
| Chevron (gas Station) | 1 | $965K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
110.0% (low risk)
70.0% (low risk)
70.0% (low risk)
40.0% (low risk)
20.0% (low risk)
20.0% (low risk)
1N/A
1N/A
10.0% (low risk)
1N/A
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
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 Pride Bank originated?
- 39 loans totaling $102.6M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Pride Bank fund the most?
- The “Top franchise exposures” table above lists the brands American Pride 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.