AB
SBA 7(a) franchise lending portfolio
Arbor Bank
GOOD risk
- Total loans
- 28
- Loan volume
- $14.3M
- Avg loan size
- $512K
- Charge-off rate
- 6.7%
- vs 15.4% national avg
Defaults
1
Avg interest
5.57%
Franchises funded
13
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Scooter's Coffee | 9 | $7.0M | 0.0% (low risk) |
| Gandolfo's Deli | 3 | $905K | N/A |
| State Farm Insurance | 2 | $1.2M | 0.0% (low risk) |
| Lawn Doctor | 2 | $97K | 0.0% (low risk) |
| Wild Birds Unlimited | 2 | $188K | N/A |
| 4Ever Young | 2 | $430K | N/A |
| Home Instead/Home Instead Seni | 2 | $3.9M | N/A |
| Certa Propainters | 1 | $40K | 0.0% (low risk) |
| America's Best Inns & Suites | 1 | $150K | 0.0% (low risk) |
| Hobbytown Usa | 1 | $132K | 0.0% (low risk) |
| Dogtopia | 1 | $121K | 0.0% (low risk) |
| Do it Best – Membership Agreem | 1 | $100K | 0.0% (low risk) |
| CarePatrol | 1 | $115K | 100.0% (very high risk) |
Lending volume by year
1'01
2'10
1'14
2'15
1'18
7'20
8'21
3'23
3'25
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 Arbor Bank originated?
- 28 loans totaling $14.3M. The portfolio carries a 6.7% charge-off rate, earning a “GOOD” 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 Arbor Bank fund the most?
- The “Top franchise exposures” table above lists the brands Arbor 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.