AG
SBA 7(a) franchise lending portfolio
ANZ Guam Inc
EXCELLENT risk
- Total loans
- 13
- Loan volume
- $691K
- Avg loan size
- $53K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.75%
Franchises funded
9
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Thrifty Rent-A-Car | 3 | $237K | 0.0% (low risk) |
| Golf U.s.a. (retail Golf Equip | 2 | $125K | 0.0% (low risk) |
| Mathnasium Learning Center | 2 | $50K | 0.0% (low risk) |
| Gloria Jean's Coffee Bean | 1 | $46K | 0.0% (low risk) |
| Charley's Grilled Subs | 1 | $60K | 0.0% (low risk) |
| Avis Rent-A-Car | 1 | $109K | 0.0% (low risk) |
| Rent-A-Wreck (car Rental) | 1 | $15K | 0.0% (low risk) |
| National Car Rental | 1 | $19K | 0.0% (low risk) |
| Gmask | 1 | $30K | 0.0% (low risk) |
Lending volume by year
2'01
3'02
2'03
1'04
2'05
1'07
2'11
Geographic exposure
130.0% (low risk)
Portfolio summary
Total funded$691K
Defaults0 of 13
Risk tierEXCELLENT
Avg rate5.75%
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 ANZ Guam Inc originated?
- 13 loans totaling $0.7M. 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 ANZ Guam Inc fund the most?
- The “Top franchise exposures” table above lists the brands ANZ Guam Inc has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.