AB
SBA 7(a) franchise lending portfolio
ANB Bank
EXCELLENT risk
- Total loans
- 18
- Loan volume
- $3.5M
- Avg loan size
- $196K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.00%
Franchises funded
14
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 3 | $394K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 2 | $244K | 0.0% (low risk) |
| Dollar Discount Stores | 2 | $220K | 0.0% (low risk) |
| Arby's | 1 | $500K | 0.0% (low risk) |
| Egg & I Restaurant (the) | 1 | $204K | 0.0% (low risk) |
| Eileen's Colossal Cookies | 1 | $68K | 0.0% (low risk) |
| Filtafry | 1 | $50K | 0.0% (low risk) |
| Dairy Queen | 1 | $215K | 0.0% (low risk) |
| Kentucky Fried Chicken | 1 | $425K | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 1 | $150K | 0.0% (low risk) |
| Smoothie King (health Food Sto | 1 | $127K | 0.0% (low risk) |
| Island Ink-Jet Systems, Inc. | 1 | $70K | 0.0% (low risk) |
| Taco John's | 1 | $746K | 0.0% (low risk) |
| UPS Store | 1 | $117K | 0.0% (low risk) |
Lending volume by year
1'92
1'94
1'95
1'96
1'98
2'99
1'01
2'03
2'04
1'05
2'06
1'07
1'08
1'09
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 ANB Bank originated?
- 18 loans totaling $3.5M. 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 ANB Bank fund the most?
- The “Top franchise exposures” table above lists the brands ANB 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.