BO
SBA 7(a) franchise lending portfolio
Bank of the Orient
EXCELLENT risk
- Total loans
- 17
- Loan volume
- $34.5M
- Avg loan size
- $2.0M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.53%
Franchises funded
16
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Sunoco, LLC (Various Brands) F | 2 | $2.6M | 0.0% (low risk) |
| US Global Fuels Ltd - Supplier | 1 | $920K | N/A |
| Classic Star Group (Distributo | 1 | $1.4M | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 1 | $3.2M | N/A |
| King Fuels, Inc. (Exxon) Motor | 1 | $3.6M | N/A |
| Mountain Mike's Pizza | 1 | $1.4M | N/A |
| Excell Petroleum, LLC - Contra | 1 | $1.1M | N/A |
| Sunshine Petroleum Distributor | 1 | $5.0M | N/A |
| King Fuels, Inc. (Shell) Motor | 1 | $3.0M | N/A |
| Hays City Corp. d.b.a Tex-Con | 1 | $1.2M | N/A |
| Swati Enterprises, Inc (Shell) | 1 | $1.3M | N/A |
| King Fuels, Inc. (Valero) Moto | 1 | $1.3M | 0.0% (low risk) |
| King Fuels, Inc (Chevron) Moto | 1 | $2.8M | 0.0% (low risk) |
| Fuel Maxx, Inc. (Chevron) Deal | 1 | $1.8M | N/A |
| Brad Hall & Associates, Inc. ( | 1 | $2.6M | N/A |
| U.S. Oil (Non-Brand Specific) | 1 | $1.2M | N/A |
Lending volume by year
1'20
8'21
2'22
3'23
2'24
1'25
Geographic exposure
160.0% (low risk)
1N/A
Portfolio summary
Total funded$34.5M
Defaults0 of 17
Risk tierEXCELLENT
Avg rate6.53%
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 the Orient originated?
- 17 loans totaling $34.5M. 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 the Orient fund the most?
- The “Top franchise exposures” table above lists the brands Bank of the Orient has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.