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SBA 7(a) franchise lending portfolio
AVB Bank
GOOD risk
- Total loans
- 13
- Loan volume
- $2.2M
- Avg loan size
- $171K
- Default rate
- 7.7%
- vs 15.4% national avg
Defaults
1
Avg interest
6.02%
Franchises funded
10
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 2 | $951K | 0.0% |
| Cartridge World | 2 | $212K | 50.0% |
| Liberty Tax Service | 2 | $175K | 0.0% |
| Charlies Chicken | 1 | $215K | 0.0% |
| Paradise Bakery | 1 | $40K | 0.0% |
| Ron's Hamburgers & Chili | 1 | $150K | 0.0% |
| Fit For Her | 1 | $185K | 0.0% |
| Mr. Sandless | 1 | $67K | 0.0% |
| Snap Fitness | 1 | $190K | 0.0% |
| Fit Body Boot Camp | 1 | $40K | 0.0% |
Lending volume by year
3'04
1'05
1'06
1'07
1'09
2'10
2'11
1'13
1'14
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%).