SBA 7(a) franchise lending portfolio
Ameris Bank
- Total loans
- 612
- Loan volume
- $438.0M
- Avg loan size
- $716K
- Charge-off rate
- 10.9%
- vs 16.0% national
Charged off
54
Avg interest
6.20%
Franchises funded
317
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Marco's Pizza | 23 | $8.0M | 0.0% (excellent) |
| Smoothie King | 21 | $5.3M | 16.7% (elevated) |
| Jimmy John's | 18 | $7.2M | 11.8% (average) |
| The UPS Store (f/k/a Mail Box | 16 | $4.5M | 0.0% (excellent) |
| Dunkin Donuts | 10 | $5.0M | 0.0% (excellent) |
| Firehouse Subs | 9 | $2.0M | N/A |
| Smash My Trash | 8 | $3.9M | N/A |
| Jake's Wayback Burgers | 7 | $2.4M | N/A |
| School of Rock | 7 | $3.5M | N/A |
| Camp Bow Wow | 6 | $3.2M | N/A |
| Menchie's | 6 | $1.5M | N/A |
| CycleBar | 6 | $3.9M | N/A |
| D1T raining | 6 | $4.3M | N/A |
| Subway Sandwich Shop | 5 | $691K | N/A |
| Tropical Smoothie | 5 | $1.4M | N/A |
| Uncle Maddio's Pizza Joint | 5 | $2.1M | N/A |
| Comfort/ Comfort Inn & Suites/ | 5 | $12.1M | N/A |
| Jersey Mike's | 5 | $2.1M | N/A |
| Quality Inn/Quality Suites, Ho | 5 | $12.6M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1992 | 2 |
| FY1993 | 4 |
| FY1994 | 7 |
| FY1995 | 4 |
| FY1996 | 4 |
| FY1997 | 1 |
| FY1999 | 1 |
| FY2000 | 1 |
| FY2001 | 2 |
| FY2002 | 5 |
| FY2003 | 3 |
| FY2004 | 11 |
| FY2005 | 9 |
| FY2006 | 10 |
| FY2007 | 7 |
| FY2008 | 15 |
| FY2009 | 3 |
| FY2010 | 2 |
| FY2011 | 12 |
| FY2012 | 26 |
| FY2013 | 29 |
| FY2014 | 67 |
| FY2015 | 80 |
| FY2016 | 43 |
| FY2017 | 31 |
| FY2018 | 56 |
| FY2019 | 53 |
| FY2020 | 34 |
| FY2021 | 48 |
| FY2022 | 17 |
| FY2023 | 17 |
| FY2024 | 6 |
| FY2025 | 2 |
SBA 7(a) · charge-off rate by approval year
Ameris Bank: below all franchise loans in 10 of 14 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1993 | 4 | 0 | Too few |
| 1994 | 7 | 0 | Too few |
| 1995 | 4 | 0 | Too few |
| 1996 | 4 | 1 | Too few |
| 2002 | 5 | 0 | Too few |
| 2003 | 3 | 1 | Too few |
| 2004 | 11 | 1 | 9.1% |
| 2005 | 9 | 2 | Too few |
| 2006 | 10 | 3 | 30.0% |
| 2007 | 7 | 4 | Too few |
| 2008 | 14 | 5 | 35.7% |
| 2009 | 3 | 0 | Too few |
| 2011 | 12 | 0 | 0.0% |
| 2012 | 26 | 1 | 3.8% |
| 2013 | 28 | 1 | 3.6% |
| 2014 | 65 | 10 | 15.4% |
| 2015 | 68 | 12 | 17.6% |
| 2016 | 36 | 3 | 8.3% |
| 2017 | 24 | 2 | 8.3% |
| 2018 | 40 | 6 | 15.0% |
| 2019 | 37 | 1 | 2.7% |
| 2020 | 23 | 0 | 0.0% |
| 2021 | 33 | 0 | 0.0% |
| 2022 | 5 | 0 | Too early |
| 2023 | 6 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Geographic exposure
Portfolio summary
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 Ameris Bank originated?
- 612 loans totaling $438.0M. The portfolio carries a 10.9% charge-off rate, earning a “Average” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Ameris Bank's rate of 10.9% is below the national rate.
- 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 Ameris Bank fund the most?
- The “Top franchise exposures” table above lists the brands Ameris 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.