AI
SBA 7(a) franchise lending portfolio
Aurora Interim National Bank
Risk rating: High Risk
- Total loans
- 91
- Loan volume
- $35.7M
- Avg loan size
- $393K
- Charge-off rate
- 23.1%
- vs 16.0% national
Charged off
21
Avg interest
N/A
Franchises funded
51
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Matco Tools (rent Tools) | 15 | $983K | 26.7% (high risk) |
| Subway Sandwich Shop | 5 | $2.0M | N/A |
| Microtel | 4 | $6.0M | N/A |
| Petland | 4 | $1.4M | N/A |
| Smoothie King (health Food Sto | 3 | $333K | N/A |
| Dairy Queen | 3 | $1.6M | N/A |
| Gold's Gym | 3 | $1.5M | N/A |
| Atlanta Bread Company | 3 | $1.5M | N/A |
| Zero's | 3 | $393K | N/A |
| Ramada Inn | 2 | $2.8M | N/A |
| Manhattan Bagel Co. | 2 | $375K | N/A |
| Baby's Room Usa | 2 | $722K | N/A |
| Coffee Beanery (retail Coffee) | 2 | $768K | N/A |
| Cottman Transmission | 2 | $174K | N/A |
| Golf Etc. | 2 | $328K | N/A |
| Buffalo's Café | 1 | $365K | N/A |
| Super 8 Motel | 1 | $1.5M | N/A |
| Mr. Goodcents Sub' And Pasta | 1 | $75K | N/A |
| True Value Hardware | 1 | $625K | N/A |
| Citgo Service Station | 1 | $700K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1993 | 1 |
| FY1994 | 1 |
| FY1996 | 2 |
| FY1997 | 6 |
| FY1998 | 9 |
| FY1999 | 13 |
| FY2000 | 38 |
| FY2001 | 14 |
| FY2002 | 1 |
| FY2004 | 1 |
| FY2005 | 4 |
| FY2007 | 1 |
SBA 7(a) · charge-off rate by approval year
Aurora Interim National Bank: above all franchise loans in each of the 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1997 | 6 | 0 | Too few |
| 1998 | 9 | 1 | Too few |
| 1999 | 13 | 3 | 23.1% |
| 2000 | 38 | 9 | 23.7% |
| 2001 | 14 | 5 | 35.7% |
| 2005 | 4 | 1 | Too few |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
1618.8% (elevated)
1421.4% (high risk)
8N/A
6N/A
6N/A
5N/A
5N/A
5N/A
4N/A
3N/A
Portfolio summary
Total funded$35.7M
Charged off21 of 91
Risk tierHigh Risk
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 Aurora Interim National Bank originated?
- 91 loans totaling $35.7M. The portfolio carries a 23.1% charge-off rate, earning a “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Aurora Interim National Bank's rate of 23.1% is above the national rate.
- 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 Aurora Interim National Bank fund the most?
- The “Top franchise exposures” table above lists the brands Aurora Interim National 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.