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SBA 7(a) franchise lending portfolio
Bank of Clarke
UNKNOWN risk
- Total loans
- 18
- Loan volume
- $12.9M
- Avg loan size
- $718K
- Default rate
- —
- 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 | — |
| Hammer & Nails | 2 | $1.9M | — |
| Venture X | 2 | $2.2M | — |
| Soldierfit | 1 | $350K | — |
| The UPS Store (f/k/a Mail Box | 1 | $411K | — |
| Real Property Management | 1 | $250K | — |
| Francisca Charcoal Chicken & M | 1 | $1.6M | — |
| HTeaO | 1 | $811K | — |
| Jimmy John's | 1 | $865K | — |
| iCode | 1 | $445K | — |
| Tous Les Jours | 1 | $590K | — |
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
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%).