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SBA 7(a) franchise lending portfolio
American Riviera Bank
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $5.7M
- Avg loan size
- $570K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.03%
Franchises funded
5
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Domino's Pizza | 3 | $2.6M | 0.0% |
| Denny's Restaurant | 3 | $1.9M | 0.0% |
| The UPS Store (f/k/a Mail Box | 2 | $690K | 0.0% |
| Cold Stone Creamery | 1 | $75K | — |
| Tifa Chocolate & Gelato | 1 | $425K | 0.0% |
Lending volume by year
6'11
1'21
1'22
1'23
1'24
Geographic exposure
100.0%
Portfolio summary
Total funded$5.7M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate7.03%
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%).