B
SBA 7(a) franchise lending portfolio
b1BANK
AVERAGE risk
- Total loans
- 86
- Loan volume
- $45.9M
- Avg loan size
- $533K
- Charge-off rate
- 13.3%
- vs 15.4% national avg
Defaults
6
Avg interest
7.22%
Franchises funded
59
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 6 | $705K | 0.0% (low risk) |
| Firehouse Subs | 4 | $1.6M | N/A |
| Smoothie King | 4 | $1.5M | 0.0% (low risk) |
| Marco's Pizza | 4 | $1.6M | N/A |
| Oreck Floor Care Center | 3 | $127K | 0.0% (low risk) |
| Marco's Pizza | 3 | $1.8M | 0.0% (low risk) |
| Sears Catalog Store | 2 | $180K | 0.0% (low risk) |
| Pizza Inn | 2 | $105K | 0.0% (low risk) |
| Armstrong Mccall | 2 | $1.1M | 0.0% (low risk) |
| Smoothie King | 2 | $353K | 0.0% (low risk) |
| Ace Hardware | 2 | $330K | 0.0% (low risk) |
| Sarpino's | 2 | $350K | 0.0% (low risk) |
| Bahama Buck's Original Shaved | 2 | $898K | 100.0% (very high risk) |
| 7 Brew | 2 | $3.2M | N/A |
| Madabolic | 2 | $1.4M | N/A |
| Cruise Holidays | 1 | $35K | 0.0% (low risk) |
| Snap-On-Tools | 1 | $75K | 0.0% (low risk) |
| Best Western Inn | 1 | $150K | 0.0% (low risk) |
| Radio Shack | 1 | $60K | 0.0% (low risk) |
| Firehouse Subs | 1 | $225K | N/A |
Lending volume by year
2'94
3
2
4
2
1'07
1
4
2
2
1'13
7
3
6
4
6'18
5
3
6
2
1'23
6
10
3'26
b1BANK charge-off rate by loan vintage
BrandNational avg
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). 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 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.