BO
SBA 7(a) franchise lending portfolio
Bank of Travelers Rest
EXCELLENT risk
- Total loans
- 10
- Loan volume
- $12.7M
- Avg loan size
- $1.3M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
5.70%
Franchises funded
8
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Crumbl | 2 | $500K | 0.0% (low risk) |
| Bruster's Real Ice Cream | 2 | $340K | N/A |
| Hampton Inns | 1 | $5.0M | 0.0% (low risk) |
| Money Mailer | 1 | $140K | 0.0% (low risk) |
| Choice Hotels International In | 1 | $1.9M | 0.0% (low risk) |
| Red Roof Inn | 1 | $1.2M | 0.0% (low risk) |
| Red Roof Inn | 1 | $2.5M | 0.0% (low risk) |
| Stanley Steemer | 1 | $1.1M | N/A |
Lending volume by year
1'10
1'11
1'13
1'14
2'21
2'23
2'24
Geographic exposure
100.0% (low risk)
Portfolio summary
Total funded$12.7M
Defaults0 of 10
Risk tierEXCELLENT
Avg rate5.70%
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 Travelers Rest originated?
- 10 loans totaling $12.7M. 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 Travelers Rest fund the most?
- The “Top franchise exposures” table above lists the brands Bank of Travelers Rest has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.