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SBA 7(a) franchise lending portfolio
Bank of Oak Ridge
EXCELLENT risk
- Total loans
- 33
- Loan volume
- $46.2M
- Avg loan size
- $1.4M
- Default 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 | — |
| Servpro | 3 | $4.4M | — |
| Crumbl | 3 | $1.9M | — |
| Pet Supplies Plus | 3 | $3.0M | — |
| Pita Mediterranean Street Food | 2 | $748K | — |
| Piggly Wiggly | 2 | $1.3M | — |
| Meadows Original Frozen Custar | 1 | $195K | 0.0% |
| Plato's Closet | 1 | $200K | 0.0% |
| Days Inn by Wyndham | 1 | $2.5M | — |
| Signarama | 1 | $261K | — |
| Rodeway Inn by Choice Hotels/R | 1 | $1.7M | — |
| Gyu-Kaku | 1 | $3.9M | — |
| Instant Imprints | 1 | $150K | — |
| Outdoor Lighting Perspectives | 1 | $567K | — |
| Rent-A-Wreck | 1 | $517K | — |
| Altitude Trampoline Park | 1 | $2.8M | — |
| Del Taco | 1 | $3.1M | — |
| Honda Automobile Division - De | 1 | $3.8M | 0.0% |
| Hotworx | 1 | $572K | — |
| La Quinta by Wyndham a.k.a. La | 1 | $5.0M | 0.0% |
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
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%).