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SBA 7(a) franchise lending portfolio
AmSouth Bank
EXCELLENT risk
- Total loans
- 49
- Loan volume
- $8.9M
- Avg loan size
- $181K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
—
Franchises funded
39
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 4 | $1.4M | 0.0% |
| Schlotzsky's Sandwich Shop | 3 | $499K | 0.0% |
| Mail Boxes Etc. Usa | 3 | $355K | 0.0% |
| Texaco Express Lube & Star Lub | 2 | $455K | 0.0% |
| Domino's Pizza | 2 | $536K | 0.0% |
| Fleetman | 2 | $600K | 0.0% |
| Steak-Out | 1 | $240K | 0.0% |
| Alta Mere Window Tinting & Aut | 1 | $45K | 0.0% |
| Kwik-Kopy | 1 | $125K | 0.0% |
| Cd Exchange | 1 | $50K | 0.0% |
| Chevron (gas Station) | 1 | $33K | 0.0% |
| NAPA Auto Parts | 1 | $190K | 0.0% |
| Marble Slab Creamery | 1 | $168K | 0.0% |
| Subaru | 1 | $365K | 0.0% |
| Bw-3 (buffalo Wings And Weck) | 1 | $140K | — |
| Loop Restaurant(the) | 1 | $145K | 0.0% |
| Midas Muffler Shop | 1 | $88K | 0.0% |
| Auntie Ann's (soft Pretzels) | 1 | $80K | 0.0% |
| Successories (motivational Pos | 1 | $90K | 0.0% |
| Hardee's Restaurant | 1 | $473K | 0.0% |
Lending volume by year
6'92
4'93
5'94
11'95
4'96
5'97
1'98
3'99
1'00
7'01
2'02
AmSouth Bank default rate by loan vintage
BrandNational avg
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%).