BU
SBA 7(a) franchise lending portfolio
Banesco USA
UNKNOWN risk
- Total loans
- 37
- Loan volume
- $19.6M
- Avg loan size
- $529K
- Charge-off rate
- N/A
- vs 15.4% national avg
Defaults
0
Avg interest
8.97%
Franchises funded
33
Risk rating
UNKNOWN
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| PostalAnnex+ (Retail Center) | 2 | $1.2M | N/A |
| The Lash Lounge | 2 | $844K | N/A |
| Crumbl | 2 | $1.1M | N/A |
| MaidPro | 2 | $893K | N/A |
| Spavia | 1 | $425K | N/A |
| Orange Theory Fitness | 1 | $745K | N/A |
| Burn Boot Camp Fitness | 1 | $320K | N/A |
| Hand and Stone Massage and Fac | 1 | $431K | N/A |
| Boca Tanning Club | 1 | $175K | N/A |
| Code Ninjas | 1 | $185K | N/A |
| 911 Restoration | 1 | $350K | N/A |
| Cody's Original Roadhouse | 1 | $2.6M | N/A |
| Kumon | 1 | $495K | N/A |
| Precision Door Service | 1 | $693K | N/A |
| One Hour Air Conditioning & He | 1 | $225K | N/A |
| Your Pie | 1 | $466K | N/A |
| Office Evolution | 1 | $499K | N/A |
| Bath Tune Up | 1 | $500K | N/A |
| Jet's Pizza | 1 | $230K | N/A |
| Mainstream Boutique | 1 | $185K | N/A |
Lending volume by year
1'17
1'18
2'19
5'21
7'22
12'23
5'24
4'25
Geographic exposure
7N/A
5N/A
3N/A
3N/A
3N/A
3N/A
2N/A
2N/A
1N/A
1N/A
Portfolio summary
Total funded$19.6M
Defaults0 of 37
Risk tierUNKNOWN
Avg rate8.97%
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 Banesco USA originated?
- 37 loans totaling $19.6M.
- 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 Banesco USA fund the most?
- The “Top franchise exposures” table above lists the brands Banesco USA has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.