BO
SBA 7(a) franchise lending portfolio
Bank of Clarke
UNKNOWN risk
- Total loans
- 18
- Loan volume
- $12.9M
- Avg loan size
- $718K
- Charge-off rate
- N/A
- vs 15.4% national avg
Defaults
0
Avg interest
9.68%
Franchises funded
11
Risk rating
UNKNOWN
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| SweatHouz | 6 | $3.4M | N/A |
| Hammer & Nails | 2 | $1.9M | N/A |
| Venture X | 2 | $2.2M | N/A |
| Soldierfit | 1 | $350K | N/A |
| The UPS Store (f/k/a Mail Box | 1 | $411K | N/A |
| Real Property Management | 1 | $250K | N/A |
| Francisca Charcoal Chicken & M | 1 | $1.6M | N/A |
| HTeaO | 1 | $811K | N/A |
| Jimmy John's | 1 | $865K | N/A |
| iCode | 1 | $445K | N/A |
| Tous Les Jours | 1 | $590K | N/A |
Lending volume by year
2'23
2'24
13'25
1'26
Geographic exposure
Portfolio summary
Total funded$12.9M
Defaults0 of 18
Risk tierUNKNOWN
Avg rate9.68%
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 Clarke originated?
- 18 loans totaling $12.9M.
- 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 Clarke fund the most?
- The “Top franchise exposures” table above lists the brands Bank of Clarke has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.