B
SBA 7(a) franchise lending portfolio
BankFirst
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $3.8M
- Avg loan size
- $349K
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.08%
Franchises funded
7
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Quiznos | 3 | $443K | 0.0% (low risk) |
| Domino's Pizza | 3 | $781K | 0.0% (low risk) |
| Kentucky Fried Chicken | 1 | $483K | 0.0% (low risk) |
| Cartridge World | 1 | $155K | 0.0% (low risk) |
| Anytime Fitness | 1 | $404K | N/A |
| Window World | 1 | $700K | N/A |
| Domino's | 1 | $872K | N/A |
Lending volume by year
1'00
1'01
1'05
1'06
1'08
1'12
1'14
1'15
1'19
1'21
1'23
Geographic exposure
100.0% (low risk)
1N/A
Portfolio summary
Total funded$3.8M
Defaults0 of 11
Risk tierEXCELLENT
Avg rate6.08%
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 BankFirst originated?
- 11 loans totaling $3.8M. 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 BankFirst fund the most?
- The “Top franchise exposures” table above lists the brands BankFirst has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.