BO
SBA 7(a) franchise lending portfolio
Bank of Belleville
AVERAGE risk
- Total loans
- 13
- Loan volume
- $4.9M
- Avg loan size
- $378K
- Charge-off rate
- 11.1%
- vs 15.4% national avg
Defaults
1
Avg interest
5.97%
Franchises funded
10
Risk rating
AVERAGE
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Smoothie King | 4 | $951K | 0.0% (low risk) |
| Quiznos | 1 | $130K | 0.0% (low risk) |
| Smoothie King | 1 | $266K | 0.0% (low risk) |
| Carstar Automotive | 1 | $150K | 0.0% (low risk) |
| Knockouts, Haircuts For Men | 1 | $130K | 0.0% (low risk) |
| Hi-Pointe Drive-In | 1 | $2.1M | 100.0% (very high risk) |
| Jet's Pizza | 1 | $350K | N/A |
| Flooring America - Member Agre | 1 | $220K | N/A |
| bb.q Chicken | 1 | $200K | N/A |
| CertaPro Painters | 1 | $450K | N/A |
Lending volume by year
1'06
1'12
2'15
1'18
1'20
4'21
1'22
1'23
1'24
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 of Belleville originated?
- 13 loans totaling $4.9M. The portfolio carries a 11.1% charge-off rate, earning a “AVERAGE” 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 Bank of Belleville fund the most?
- The “Top franchise exposures” table above lists the brands Bank of Belleville has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.