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SBA 7(a) franchise lending portfolio
Bank of the Orient
EXCELLENT risk
- Total loans
- 17
- Loan volume
- $34.5M
- Avg loan size
- $2.0M
- Default 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% |
| US Global Fuels Ltd - Supplier | 1 | $920K | — |
| Classic Star Group (Distributo | 1 | $1.4M | 0.0% |
| Chevron - Retail Supply Contra | 1 | $3.2M | — |
| King Fuels, Inc. (Exxon) Motor | 1 | $3.6M | — |
| Mountain Mike's Pizza | 1 | $1.4M | — |
| Excell Petroleum, LLC - Contra | 1 | $1.1M | — |
| Sunshine Petroleum Distributor | 1 | $5.0M | — |
| King Fuels, Inc. (Shell) Motor | 1 | $3.0M | — |
| Hays City Corp. d.b.a Tex-Con | 1 | $1.2M | — |
| Swati Enterprises, Inc (Shell) | 1 | $1.3M | — |
| King Fuels, Inc. (Valero) Moto | 1 | $1.3M | 0.0% |
| King Fuels, Inc (Chevron) Moto | 1 | $2.8M | 0.0% |
| Fuel Maxx, Inc. (Chevron) Deal | 1 | $1.8M | — |
| Brad Hall & Associates, Inc. ( | 1 | $2.6M | — |
| U.S. Oil (Non-Brand Specific) | 1 | $1.2M | — |
Lending volume by year
1'20
8'21
2'22
3'23
2'24
1'25
Geographic exposure
160.0%
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
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%).