BF
SBA 7(a) franchise lending portfolio
Bank Five Nine
Risk rating: Good
- Total loans
- 498
- Loan volume
- $355.9M
- Avg loan size
- $715K
- Charge-off rate
- 8.3%
- vs 16.0% national
Charged off
20
Avg interest
6.92%
Franchises funded
179
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Culver's ButterBurgers & Froze | 88 | $109.9M | N/A |
| Kiddie Academy | 26 | $21.8M | N/A |
| Success On The Spectrum | 20 | $9.7M | N/A |
| Anytime Fitness | 19 | $6.9M | 0.0% (excellent) |
| Primrose Schools | 15 | $8.8M | N/A |
| The Goddard School | 14 | $10.4M | N/A |
| Toppers Pizza | 13 | $4.6M | 0.0% (excellent) |
| HTeaO | 11 | $18.1M | N/A |
| Rocky Rococo Pan Style Pizza | 10 | $3.1M | N/A |
| Units | 9 | $12.7M | N/A |
| Dickey's Barbecue Pit | 7 | $1.3M | N/A |
| Pinnacle Montessori Academy | 7 | $5.9M | N/A |
| Cousins Submarines (restaurant | 6 | $1.3M | N/A |
| Rosati's Pizza | 6 | $1.3M | N/A |
| Great Clips | 5 | $762K | N/A |
| Ace Hardware | 5 | $1.3M | N/A |
| Storage Authority | 5 | $4.6M | N/A |
| Mobil Oil (stations) | 5 | $4.6M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2002 | 1 |
| FY2003 | 1 |
| FY2005 | 8 |
| FY2006 | 1 |
| FY2008 | 2 |
| FY2010 | 2 |
| FY2011 | 7 |
| FY2012 | 13 |
| FY2013 | 30 |
| FY2014 | 57 |
| FY2015 | 34 |
| FY2016 | 28 |
| FY2017 | 22 |
| FY2018 | 24 |
| FY2019 | 14 |
| FY2020 | 19 |
| FY2021 | 35 |
| FY2022 | 23 |
| FY2023 | 22 |
| FY2024 | 55 |
| FY2025 | 92 |
| FY2026 | 8 |
SBA 7(a) · charge-off rate by approval year
Bank Five Nine: below all franchise loans in 4 of 7 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2005 | 8 | 4 | Too few |
| 2011 | 7 | 0 | Too few |
| 2012 | 13 | 1 | 7.7% |
| 2013 | 30 | 1 | 3.3% |
| 2014 | 56 | 7 | 12.5% |
| 2015 | 34 | 4 | 11.8% |
| 2016 | 21 | 1 | 4.8% |
| 2017 | 15 | 1 | 6.7% |
| 2018 | 18 | 0 | 0.0% |
| 2019 | 8 | 0 | Too few |
| 2020 | 6 | 0 | Too early |
| 2021 | 9 | 0 | Too early |
| 2022 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
17612.6% (average)
520.0% (excellent)
397.7% (good)
270.0% (excellent)
170.0% (excellent)
16N/A
150.0% (excellent)
130.0% (excellent)
130.0% (excellent)
10100.0% (high risk)
Portfolio summary
Total funded$355.9M
Charged off20 of 498
Risk tierGood
Avg rate6.92%
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 Bank Five Nine originated?
- 498 loans totaling $355.9M. The portfolio carries a 8.3% charge-off rate, earning a “Good” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Bank Five Nine's rate of 8.3% is below the national rate.
- 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 Bank Five Nine fund the most?
- The “Top franchise exposures” table above lists the brands Bank Five Nine has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.