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SBA 7(a) franchise lending portfolio
BankVista
GOOD risk
- Total loans
- 84
- Loan volume
- $41.9M
- Avg loan size
- $499K
- Default rate
- 7.8%
- vs 15.4% national avg
Defaults
4
Avg interest
6.47%
Franchises funded
39
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Jimmy John's | 15 | $8.7M | 0.0% |
| Jimmy John's | 6 | $5.4M | 0.0% |
| Dunkin' Donuts | 6 | $5.1M | 0.0% |
| Pizza Ranch | 5 | $1.8M | 0.0% |
| Subway | 4 | $2.4M | 33.3% |
| Erbert and Gerbert's | 4 | $643K | — |
| Pet Supplies Plus | 3 | $1.5M | — |
| Floor to Ceiling | 3 | $1.6M | 0.0% |
| Dairy Queen Operating Agreemen | 2 | $997K | 0.0% |
| Papa Murphy's | 2 | $430K | 0.0% |
| Farrell's eXtreme Bodyshaping | 2 | $350K | — |
| MGM Wine & Spirits | 2 | $608K | 0.0% |
| Fastsigns | 2 | $1.0M | 0.0% |
| Snap Fitness | 2 | $184K | — |
| (ART) Art Recovery Technologie | 2 | $1.2M | — |
| Line-X | 1 | $187K | 0.0% |
| Comfort/ Comfort Inn & Suites/ | 1 | $2.2M | 0.0% |
| Signarama | 1 | $250K | — |
| Dairy Queen Frozen Treat Cente | 1 | $25K | 0.0% |
| Alphagraphics | 1 | $996K | 0.0% |
Lending volume by year
2'09
1'10
1'11
1'12
2'13
8'14
7'15
5'16
2'17
5'18
4'19
5'20
16'21
7'22
9'23
2'24
6'25
1'26
BankVista default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$41.9M
Defaults4 of 84
Risk tierGOOD
Avg rate6.47%
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%).