AB
SBA 7(a) franchise lending portfolio
AVB Bank
GOOD risk
- Total loans
- 13
- Loan volume
- $2.2M
- Avg loan size
- $171K
- Charge-off 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% (low risk) |
| Cartridge World | 2 | $212K | 50.0% (very high risk) |
| Liberty Tax Service | 2 | $175K | 0.0% (low risk) |
| Charlies Chicken | 1 | $215K | 0.0% (low risk) |
| Paradise Bakery | 1 | $40K | 0.0% (low risk) |
| Ron's Hamburgers & Chili | 1 | $150K | 0.0% (low risk) |
| Fit For Her | 1 | $185K | 0.0% (low risk) |
| Mr. Sandless | 1 | $67K | 0.0% (low risk) |
| Snap Fitness | 1 | $190K | 0.0% (low risk) |
| Fit Body Boot Camp | 1 | $40K | 0.0% (low risk) |
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
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 AVB Bank originated?
- 13 loans totaling $2.2M. The portfolio carries a 7.7% charge-off rate, earning a “GOOD” 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 AVB Bank fund the most?
- The “Top franchise exposures” table above lists the brands AVB 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.