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SBA 7(a) franchise lending portfolio
Bank Five Nine
GOOD risk
- Total loans
- 498
- Loan volume
- $355.9M
- Avg loan size
- $715K
- Default rate
- 8.3%
- vs 15.4% national avg
Defaults
20
Avg interest
6.92%
Franchises funded
179
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Culver's ButterBurgers & Froze | 50 | $56.9M | 0.0% |
| Culver's | 29 | $36.9M | 0.0% |
| Kiddie Academy | 26 | $21.8M | 0.0% |
| Success On The Spectrum | 20 | $9.7M | 0.0% |
| Anytime Fitness | 19 | $6.9M | 0.0% |
| Primrose Schools | 15 | $8.8M | 0.0% |
| The Goddard School | 14 | $10.4M | 0.0% |
| Toppers Pizza | 13 | $4.6M | 0.0% |
| HTeaO | 11 | $18.1M | — |
| Rocky Rococo Pan Style Pizza | 10 | $3.1M | 12.5% |
| Culver's Frozen Custard | 9 | $16.1M | 0.0% |
| Units | 9 | $12.7M | — |
| Dickey's Barbecue Pit | 7 | $1.3M | 14.3% |
| Pinnacle Montessori Academy | 7 | $5.9M | — |
| Cousins Submarines (restaurant | 6 | $1.3M | 0.0% |
| Rosati's Pizza | 6 | $1.3M | 66.7% |
| Great Clips | 5 | $762K | 0.0% |
| Ace Hardware | 5 | $1.3M | 0.0% |
| Storage Authority | 5 | $4.6M | 0.0% |
| Mobil Oil (stations) | 5 | $4.6M | 50.0% |
Lending volume by year
1'02
1
8
1
2
2'10
7
13
30
57
34'15
28
22
24
14
19'20
35
23
22
55
92'25
8'26
Bank Five Nine default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
17612.6%
520.0%
397.7%
270.0%
170.0%
16—
150.0%
130.0%
130.0%
10100.0%
Portfolio summary
Total funded$355.9M
Defaults20 of 498
Risk tierGOOD
Avg rate6.92%
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%).