BC
SBA 7(a) franchise lending portfolio
BAC Community Bank
EXCELLENT risk
- Total loans
- 50
- Loan volume
- $14.0M
- Avg loan size
- $280K
- Charge-off rate
- 4.0%
- vs 15.4% national avg
Defaults
2
Avg interest
N/A
Franchises funded
27
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Speedee Oil Change & Tune-Up | 12 | $6.3M | 0.0% (low risk) |
| Papa Murphy's Take & Bake Pizz | 5 | $735K | 0.0% (low risk) |
| Relax The Back Store | 3 | $295K | 0.0% (low risk) |
| Chevron (gas Station) | 3 | $1.1M | 0.0% (low risk) |
| Amailcenter Franchise Corp. | 2 | $111K | 0.0% (low risk) |
| Wendy's | 2 | $950K | 0.0% (low risk) |
| Togo's Eatery | 2 | $268K | 0.0% (low risk) |
| Subway Sandwich Shop | 2 | $150K | 0.0% (low risk) |
| Wallpapers To Go | 1 | $165K | 0.0% (low risk) |
| Mountain Mike's Pizza | 1 | $97K | 0.0% (low risk) |
| Speedy Sign-O-Rama | 1 | $80K | 0.0% (low risk) |
| Strings The Pasta Cafe | 1 | $88K | 0.0% (low risk) |
| Heel Quik (shoe Repair) | 1 | $50K | 0.0% (low risk) |
| Exxon | 1 | $290K | 0.0% (low risk) |
| Postal Annex Plus | 1 | $65K | 0.0% (low risk) |
| Skolnick's (bagel Restaur.&bak | 1 | $160K | 0.0% (low risk) |
| Shell Service Station | 1 | $215K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $155K | 0.0% (low risk) |
| Gloria Jean's Coffee Bean | 1 | $190K | 0.0% (low risk) |
| Arby's | 1 | $520K | 100.0% (very high risk) |
Lending volume by year
9'92
9'93
4'94
6'95
7'96
3'97
3'98
8'99
1'00
BAC Community Bank charge-off rate by loan vintage
BrandNational avg
Geographic exposure
494.1% (low risk)
10.0% (low risk)
Portfolio summary
Total funded$14.0M
Defaults2 of 50
Risk tierEXCELLENT
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 BAC Community Bank originated?
- 50 loans totaling $14.0M. The portfolio carries a 4.0% 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 BAC Community Bank fund the most?
- The “Top franchise exposures” table above lists the brands BAC Community Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.