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SBA 7(a) franchise lending portfolio
Aurora Interim National Bank
CRITICAL risk
- Total loans
- 91
- Loan volume
- $35.7M
- Avg loan size
- $393K
- Default rate
- 23.1%
- vs 15.4% national avg
Defaults
21
Avg interest
—
Franchises funded
51
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Matco Tools (rent Tools) | 15 | $983K | 26.7% |
| Subway Sandwich Shop | 5 | $2.0M | 20.0% |
| Microtel | 4 | $6.0M | 0.0% |
| Petland | 4 | $1.4M | 25.0% |
| Smoothie King (health Food Sto | 3 | $333K | 0.0% |
| Dairy Queen | 3 | $1.6M | 33.3% |
| Gold's Gym | 3 | $1.5M | 33.3% |
| Atlanta Bread Company | 3 | $1.5M | 33.3% |
| Zero's | 3 | $393K | 100.0% |
| Ramada Inn | 2 | $2.8M | 0.0% |
| Manhattan Bagel Co. | 2 | $375K | 50.0% |
| Baby's Room Usa | 2 | $722K | 50.0% |
| Coffee Beanery (retail Coffee) | 2 | $768K | 0.0% |
| Cottman Transmission | 2 | $174K | 50.0% |
| Golf Etc. | 2 | $328K | 0.0% |
| Buffalo's Café | 1 | $365K | 0.0% |
| Super 8 Motel | 1 | $1.5M | 0.0% |
| Mr. Goodcents Sub' And Pasta | 1 | $75K | 0.0% |
| True Value Hardware | 1 | $625K | 0.0% |
| Citgo Service Station | 1 | $700K | 0.0% |
Lending volume by year
1'93
1'94
2'96
6'97
9'98
13'99
38'00
14'01
1'02
1'04
4'05
1'07
Aurora Interim National Bank default rate by loan vintage
BrandNational avg
Geographic exposure
1618.8%
1421.4%
825.0%
633.3%
650.0%
50.0%
50.0%
50.0%
450.0%
30.0%
Portfolio summary
Total funded$35.7M
Defaults21 of 91
Risk tierCRITICAL
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%).