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SBA 7(a) franchise lending portfolio
Bankers Trust Company
EXCELLENT risk
- Total loans
- 31
- Loan volume
- $8.7M
- Avg loan size
- $279K
- Default rate
- 3.9%
- vs 15.4% national avg
Defaults
1
Avg interest
6.34%
Franchises funded
22
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Massage Heights | 4 | $1.3M | 0.0% |
| Units | 3 | $804K | 0.0% |
| Farrell's eXtreme Bodyshaping | 2 | $167K | 0.0% |
| MAACO Auto Painting & Bodywork | 2 | $405K | 0.0% |
| Allegra Network | 2 | $290K | 0.0% |
| Green Home Solutions | 2 | $120K | 0.0% |
| Abc Seamless | 1 | $350K | 0.0% |
| Max Muscle | 1 | $150K | 0.0% |
| Budget Blinds | 1 | $320K | 0.0% |
| Smoothie King | 1 | $340K | 0.0% |
| Culver's Frozen Custard | 1 | $389K | 0.0% |
| Montana Mike's Steakhouse | 1 | $1.1M | 0.0% |
| Fsbohomes | 1 | $50K | 0.0% |
| Real Deals on Home Decor | 1 | $110K | 0.0% |
| ELITE EDGE Transformation Cent | 1 | $170K | 100.0% |
| FSBOHomes.com | 1 | $150K | 0.0% |
| Winestyles Tasting Station | 1 | $270K | 0.0% |
| The Back Nine | 1 | $350K | — |
| Christian Brothers Automotive | 1 | $350K | — |
| Pause Studio | 1 | $1.0M | — |
Lending volume by year
1'92
1'05
1'06
1'11
1'12
1'15
3'16
7'17
4'18
1'19
2'20
2'21
2'22
3'25
1'26
Bankers Trust Company default rate by loan vintage
BrandNational avg
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%).