BO
SBA 7(a) franchise lending portfolio
Bank of Oak Ridge
EXCELLENT risk
- Total loans
- 33
- Loan volume
- $46.2M
- Avg loan size
- $1.4M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.79%
Franchises funded
23
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Big Air ; Big Air Trampoline P | 3 | $8.2M | N/A |
| Servpro | 3 | $4.4M | N/A |
| Crumbl | 3 | $1.9M | N/A |
| Pet Supplies Plus | 3 | $3.0M | N/A |
| Pita Mediterranean Street Food | 2 | $748K | N/A |
| Piggly Wiggly | 2 | $1.3M | N/A |
| Meadows Original Frozen Custar | 1 | $195K | 0.0% (low risk) |
| Plato's Closet | 1 | $200K | 0.0% (low risk) |
| Days Inn by Wyndham | 1 | $2.5M | N/A |
| Signarama | 1 | $261K | N/A |
| Rodeway Inn by Choice Hotels/R | 1 | $1.7M | N/A |
| Gyu-Kaku | 1 | $3.9M | N/A |
| Instant Imprints | 1 | $150K | N/A |
| Outdoor Lighting Perspectives | 1 | $567K | N/A |
| Rent-A-Wreck | 1 | $517K | N/A |
| Altitude Trampoline Park | 1 | $2.8M | N/A |
| Del Taco | 1 | $3.1M | N/A |
| Honda Automobile Division - De | 1 | $3.8M | 0.0% (low risk) |
| Hotworx | 1 | $572K | N/A |
| La Quinta by Wyndham a.k.a. La | 1 | $5.0M | 0.0% (low risk) |
Lending volume by year
1'10
1'11
3'21
3'22
12'23
1'24
11'25
1'26
Geographic exposure
Portfolio summary
Total funded$46.2M
Defaults0 of 33
Risk tierEXCELLENT
Avg rate8.79%
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 Oak Ridge originated?
- 33 loans totaling $46.2M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Oak Ridge fund the most?
- The “Top franchise exposures” table above lists the brands Bank of Oak Ridge has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.