B
SBA 7(a) franchise lending portfolio
BankVista
Risk rating: Good
- Total loans
- 84
- Loan volume
- $41.9M
- Avg loan size
- $499K
- Charge-off rate
- 7.8%
- vs 16.0% national
Charged off
4
Avg interest
6.47%
Franchises funded
39
Risk rating
Good
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Jimmy John's | 21 | $14.1M | 0.0% (excellent) |
| Dunkin' Donuts | 6 | $5.1M | N/A |
| Pizza Ranch | 5 | $1.8M | N/A |
| Subway | 4 | $2.4M | N/A |
| Erbert and Gerbert's | 4 | $643K | N/A |
| Pet Supplies Plus | 3 | $1.5M | N/A |
| Floor to Ceiling | 3 | $1.6M | N/A |
| Dairy Queen Operating Agreemen | 3 | $1.0M | N/A |
| Papa Murphy's | 2 | $430K | N/A |
| Farrell's eXtreme Bodyshaping | 2 | $350K | N/A |
| MGM Wine & Spirits | 2 | $608K | N/A |
| Fastsigns | 2 | $1.0M | N/A |
| Snap Fitness | 2 | $184K | N/A |
| (ART) Art Recovery Technologie | 2 | $1.2M | N/A |
| Line-X | 1 | $187K | N/A |
| Comfort/ Comfort Inn & Suites/ | 1 | $2.2M | N/A |
| Signarama | 1 | $250K | N/A |
| Alphagraphics | 1 | $996K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2009 | 2 |
| FY2010 | 1 |
| FY2011 | 1 |
| FY2012 | 1 |
| FY2013 | 2 |
| FY2014 | 8 |
| FY2015 | 7 |
| FY2016 | 5 |
| FY2017 | 2 |
| FY2018 | 5 |
| FY2019 | 4 |
| FY2020 | 5 |
| FY2021 | 16 |
| FY2022 | 7 |
| FY2023 | 9 |
| FY2024 | 2 |
| FY2025 | 6 |
| FY2026 | 1 |
SBA 7(a) · charge-off rate by approval year
BankVista charge-off rate by loan vintage
None of these 8 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2014 | 8 | 0 | Too few |
| 2015 | 7 | 0 | Too few |
| 2016 | 5 | 0 | Too few |
| 2018 | 3 | 2 | Too few |
| 2020 | 5 | 0 | Too early |
| 2021 | 8 | 0 | Too early |
| 2022 | 3 | 0 | Too early |
| 2023 | 3 | 1 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
Portfolio summary
Total funded$41.9M
Charged off4 of 84
Risk tierGood
Avg rate6.47%
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 BankVista originated?
- 84 loans totaling $41.9M. The portfolio carries a 7.8% charge-off rate, earning a “Good” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. BankVista's rate of 7.8% is below the national rate.
- 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 BankVista fund the most?
- The “Top franchise exposures” table above lists the brands BankVista has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.