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SBA 7(a) franchise lending portfolio
Avidia Bank
AVERAGE risk
- Total loans
- 19
- Loan volume
- $13.3M
- Avg loan size
- $700K
- Default rate
- 14.3%
- vs 15.4% national avg
Defaults
1
Avg interest
6.37%
Franchises funded
13
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Overhead Door Co. | 2 | $1.3M | 0.0% |
| Ameriprise Financial | 2 | $5.2M | 0.0% |
| Crumbl | 2 | $1.4M | — |
| StretchMed | 2 | $388K | — |
| Big Chicken | 2 | $650K | — |
| Tous Les Jours | 2 | $527K | — |
| Dairy Queen Frozen Treat Cente | 1 | $694K | 0.0% |
| Snap-On Tools | 1 | $225K | — |
| Arcpoint | 1 | $100K | 100.0% |
| European Wax Center | 1 | $600K | 0.0% |
| Rush Cycle | 1 | $500K | — |
| Mitsubishi Motors Dealer Agree | 1 | $500K | — |
| American Family Care/AFC Urgen | 1 | $1.3M | — |
Lending volume by year
1'14
4'15
2'17
1'18
2'21
4'22
1'23
4'25
Geographic exposure
Portfolio summary
Total funded$13.3M
Defaults1 of 19
Risk tierAVERAGE
Avg rate6.37%
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%).