B
SBA 7(a) franchise lending portfolio
BankVista
GOOD risk
- Total loans
- 84
- Loan volume
- $41.9M
- Avg loan size
- $499K
- Charge-off 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% (low risk) |
| Jimmy John's | 6 | $5.4M | 0.0% (low risk) |
| Dunkin' Donuts | 6 | $5.1M | 0.0% (low risk) |
| Pizza Ranch | 5 | $1.8M | 0.0% (low risk) |
| Subway | 4 | $2.4M | 33.3% (very high risk) |
| Erbert and Gerbert's | 4 | $643K | N/A |
| Pet Supplies Plus | 3 | $1.5M | N/A |
| Floor to Ceiling | 3 | $1.6M | 0.0% (low risk) |
| Dairy Queen Operating Agreemen | 2 | $997K | 0.0% (low risk) |
| Papa Murphy's | 2 | $430K | 0.0% (low risk) |
| Farrell's eXtreme Bodyshaping | 2 | $350K | N/A |
| MGM Wine & Spirits | 2 | $608K | 0.0% (low risk) |
| Fastsigns | 2 | $1.0M | 0.0% (low risk) |
| Snap Fitness | 2 | $184K | N/A |
| (ART) Art Recovery Technologie | 2 | $1.2M | N/A |
| Line-X | 1 | $187K | 0.0% (low risk) |
| Comfort/ Comfort Inn & Suites/ | 1 | $2.2M | 0.0% (low risk) |
| Signarama | 1 | $250K | N/A |
| Dairy Queen Frozen Treat Cente | 1 | $25K | 0.0% (low risk) |
| Alphagraphics | 1 | $996K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
Geographic exposure
778.7% (moderate risk)
30.0% (low risk)
20.0% (low risk)
1N/A
10.0% (low risk)
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
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). 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 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.