B
SBA 7(a) franchise lending portfolio
BankTennessee
CRITICAL risk
- Total loans
- 12
- Loan volume
- $6.8M
- Avg loan size
- $569K
- Charge-off rate
- 25.0%
- vs 15.4% national avg
Defaults
3
Avg interest
N/A
Franchises funded
10
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Super 8 Motel | 2 | $2.2M | 50.0% (very high risk) |
| Pakmail Centers Of America | 2 | $178K | 50.0% (very high risk) |
| General Nutrition Center | 1 | $56K | 0.0% (low risk) |
| Amoco (gas Station) | 1 | $390K | 100.0% (very high risk) |
| Conoco Service Station | 1 | $1.1M | 0.0% (low risk) |
| Best Western Inn | 1 | $285K | 0.0% (low risk) |
| Padgett Business Service | 1 | $13K | 0.0% (low risk) |
| Days Inn | 1 | $1.0M | 0.0% (low risk) |
| Servicemaster | 1 | $125K | 0.0% (low risk) |
| Holiday Inn | 1 | $1.4M | 0.0% (low risk) |
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
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 BankTennessee originated?
- 12 loans totaling $6.8M. The portfolio carries a 25.0% charge-off rate, earning a “CRITICAL” 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 BankTennessee fund the most?
- The “Top franchise exposures” table above lists the brands BankTennessee has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.