BO
SBA 7(a) franchise lending portfolio
Bank of the Pacific
EXCELLENT risk
- Total loans
- 41
- Loan volume
- $12.2M
- Avg loan size
- $297K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.12%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jersey Mike's | 25 | $7.9M | 0.0% (low risk) |
| Subway Sandwich Shop | 3 | $560K | 0.0% (low risk) |
| Firehouse Subs | 3 | $1.1M | 0.0% (low risk) |
| Signs By Tomorrow | 2 | $293K | 0.0% (low risk) |
| Dairy Queen | 1 | $350K | 0.0% (low risk) |
| Baskin-Robbins 31 Ice Cream | 1 | $77K | 0.0% (low risk) |
| Port Of Subs | 1 | $50K | 0.0% (low risk) |
| L&l Hawaiian Barbeque/L&l Hawa | 1 | $390K | N/A |
| Jersey Mike's | 1 | $260K | 0.0% (low risk) |
| Midas | 1 | $336K | 0.0% (low risk) |
| Subway | 1 | $290K | 0.0% (low risk) |
| Baja Fresh | 1 | $590K | 0.0% (low risk) |
Lending volume by year
1'94
1'97
2'03
2'12
3'13
9'14
11'15
9'16
1'17
1'18
1'19
Bank of the Pacific charge-off rate by loan vintage
BrandNational avg
Geographic exposure
390.0% (low risk)
20.0% (low risk)
Portfolio summary
Total funded$12.2M
Defaults0 of 41
Risk tierEXCELLENT
Avg rate5.12%
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 Pacific originated?
- 41 loans totaling $12.2M. 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 the Pacific fund the most?
- The “Top franchise exposures” table above lists the brands Bank of the Pacific has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.