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