B
SBA 7(a) franchise lending portfolio
b1BANK
Risk rating: Average
- Total loans
- 86
- Loan volume
- $45.9M
- Avg loan size
- $533K
- Charge-off rate
- 13.3%
- vs 16.0% national
Charged off
6
Avg interest
7.22%
Franchises funded
59
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Marco's Pizza | 7 | $3.4M | N/A |
| Subway Sandwich Shop | 6 | $705K | N/A |
| Smoothie King | 6 | $1.9M | N/A |
| Firehouse Subs | 5 | $1.8M | N/A |
| Oreck Floor Care Center | 3 | $127K | N/A |
| Sears Catalog Store | 2 | $180K | N/A |
| Pizza Inn | 2 | $105K | N/A |
| Armstrong Mccall | 2 | $1.1M | N/A |
| Ace Hardware | 2 | $330K | N/A |
| Sarpino's | 2 | $350K | N/A |
| Bahama Buck's Original Shaved | 2 | $898K | N/A |
| 7 Brew | 2 | $3.2M | N/A |
| Madabolic | 2 | $1.4M | N/A |
| Cruise Holidays | 1 | $35K | N/A |
| Snap-On-Tools | 1 | $75K | N/A |
| Best Western Inn | 1 | $150K | N/A |
| Radio Shack | 1 | $60K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1994 | 2 |
| FY1995 | 3 |
| FY1996 | 2 |
| FY1998 | 4 |
| FY2000 | 2 |
| FY2007 | 1 |
| FY2008 | 1 |
| FY2010 | 4 |
| FY2011 | 2 |
| FY2012 | 2 |
| FY2013 | 1 |
| FY2014 | 7 |
| FY2015 | 3 |
| FY2016 | 6 |
| FY2017 | 4 |
| FY2018 | 6 |
| FY2019 | 5 |
| FY2020 | 3 |
| FY2021 | 6 |
| FY2022 | 2 |
| FY2023 | 1 |
| FY2024 | 6 |
| FY2025 | 10 |
| FY2026 | 3 |
SBA 7(a) · charge-off rate by approval year
b1BANK charge-off rate by loan vintage
None of these 8 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 1995 | 3 | 0 | Too few |
| 1998 | 4 | 0 | Too few |
| 2010 | 4 | 0 | Too few |
| 2014 | 3 | 1 | Too few |
| 2015 | 3 | 0 | Too few |
| 2016 | 4 | 1 | Too few |
| 2017 | 3 | 1 | Too few |
| 2018 | 3 | 1 | Too few |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
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 b1BANK originated?
- 86 loans totaling $45.9M. The portfolio carries a 13.3% charge-off rate, earning a “Average” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. b1BANK's rate of 13.3% is below the national rate.
- 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 b1BANK fund the most?
- The “Top franchise exposures” table above lists the brands b1BANK has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.