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SBA 7(a) franchise lending portfolio
BankTennessee
CRITICAL risk
- Total loans
- 12
- Loan volume
- $6.8M
- Avg loan size
- $569K
- Default rate
- 25.0%
- vs 15.4% national avg
Defaults
3
Avg interest
—
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Super 8 Motel | 2 | $2.2M | 50.0% |
| Pakmail Centers Of America | 2 | $178K | 50.0% |
| General Nutrition Center | 1 | $56K | 0.0% |
| Amoco (gas Station) | 1 | $390K | 100.0% |
| Conoco Service Station | 1 | $1.1M | 0.0% |
| Best Western Inn | 1 | $285K | 0.0% |
| Padgett Business Service | 1 | $13K | 0.0% |
| Days Inn | 1 | $1.0M | 0.0% |
| Servicemaster | 1 | $125K | 0.0% |
| Holiday Inn | 1 | $1.4M | 0.0% |
Lending volume by year
1'95
1'97
3'98
2'99
5'00
Geographic exposure
Portfolio summary
Total funded$6.8M
Defaults3 of 12
Risk tierCRITICAL
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%).