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FranchiseVerdict

SBA 7(a) franchise lending portfolio

Axiom Bank, National Association

EXCELLENT risk
Total loans
14
Loan volume
$4.8M
Avg loan size
$346K
Charge-off rate
0.0%
vs 15.4% national avg

Defaults

0

Avg interest

6.29%

Franchises funded

5

Risk rating

EXCELLENT

Top franchise exposures

FranchiseLoansVolumeDefault %
Jeremiah's Italian Ice9$2.8M0.0% (low risk)
Massage LuXe2$643KN/A
Smartstyle1$794KN/A
The Hungry Greek1$457K0.0% (low risk)
Stretch Lab1$179KN/A

Geographic exposure

Florida
110.0% (low risk)
Texas
20.0% (low risk)
Louisiana
10.0% (low risk)

Portfolio summary

Total funded$4.8M
Defaults0 of 14
Risk tierEXCELLENT
Avg rate6.29%

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 Axiom Bank, National Association originated?
14 loans totaling $4.8M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Axiom Bank, National Association fund the most?
The “Top franchise exposures” table above lists the brands Axiom Bank, National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.