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SBA 7(a) franchise lending portfolio
b1BANK
AVERAGE risk
- Total loans
- 86
- Loan volume
- $45.9M
- Avg loan size
- $533K
- Default 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% |
| Firehouse Subs | 4 | $1.6M | — |
| Smoothie King | 4 | $1.5M | 0.0% |
| Marco's Pizza | 4 | $1.6M | — |
| Oreck Floor Care Center | 3 | $127K | 0.0% |
| Marco's Pizza | 3 | $1.8M | 0.0% |
| Sears Catalog Store | 2 | $180K | 0.0% |
| Pizza Inn | 2 | $105K | 0.0% |
| Armstrong Mccall | 2 | $1.1M | 0.0% |
| Smoothie King | 2 | $353K | 0.0% |
| Ace Hardware | 2 | $330K | 0.0% |
| Sarpino's | 2 | $350K | 0.0% |
| Bahama Buck's Original Shaved | 2 | $898K | 100.0% |
| 7 Brew | 2 | $3.2M | — |
| Madabolic | 2 | $1.4M | — |
| Cruise Holidays | 1 | $35K | 0.0% |
| Snap-On-Tools | 1 | $75K | 0.0% |
| Best Western Inn | 1 | $150K | 0.0% |
| Radio Shack | 1 | $60K | 0.0% |
| Firehouse Subs | 1 | $225K | — |
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 default rate by loan vintage
BrandNational avg
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%).