BP
SBA 7(a) franchise lending portfolio
Banco Popular, National Association
CRITICAL risk
- Total loans
- 12
- Loan volume
- $4.6M
- Avg loan size
- $386K
- Charge-off rate
- 41.7%
- vs 15.4% national avg
Defaults
5
Avg interest
N/A
Franchises funded
9
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 3 | $324K | 66.7% (very high risk) |
| Cici's Pizza | 2 | $642K | 100.0% (very high risk) |
| All Tune And Lube | 1 | $92K | 0.0% (low risk) |
| Marble Slab Creamery | 1 | $200K | 0.0% (low risk) |
| Travelodge | 1 | $2.7M | 0.0% (low risk) |
| Tcby | 1 | $231K | 100.0% (very high risk) |
| Tuffy Muffler Center | 1 | $202K | 0.0% (low risk) |
| Domino's Pizza | 1 | $150K | 0.0% (low risk) |
| Pakmail Centers Of America | 1 | $119K | 0.0% (low risk) |
Lending volume by year
3'98
4'99
3'02
1'03
1'04
Banco Popular, National Association charge-off rate by loan vintage
BrandNational avg
Geographic exposure
1241.7% (very high risk)
Portfolio summary
Total funded$4.6M
Defaults5 of 12
Risk tierCRITICAL
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 Banco Popular, National Association originated?
- 12 loans totaling $4.6M. The portfolio carries a 41.7% charge-off rate, earning a “CRITICAL” 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 Banco Popular, National Association fund the most?
- The “Top franchise exposures” table above lists the brands Banco Popular, 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.