![Arbor Bank logo](https://cdn.brandfetch.io/arborbank.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Arbor Bank
GOOD risk
- Total loans
- 28
- Loan volume
- $14.3M
- Avg loan size
- $512K
- Default 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% |
| Gandolfo's Deli | 3 | $905K | — |
| State Farm Insurance | 2 | $1.2M | 0.0% |
| Lawn Doctor | 2 | $97K | 0.0% |
| Wild Birds Unlimited | 2 | $188K | — |
| 4Ever Young | 2 | $430K | — |
| Home Instead/Home Instead Seni | 2 | $3.9M | — |
| Certa Propainters | 1 | $40K | 0.0% |
| America's Best Inns & Suites | 1 | $150K | 0.0% |
| Hobbytown Usa | 1 | $132K | 0.0% |
| Dogtopia | 1 | $121K | 0.0% |
| Do it Best – Membership Agreem | 1 | $100K | 0.0% |
| CarePatrol | 1 | $115K | 100.0% |
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
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%).