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SBA 7(a) franchise lending portfolio
Banterra Bank
CRITICAL risk
- Total loans
- 11
- Loan volume
- $5.9M
- Avg loan size
- $537K
- Default rate
- 28.6%
- vs 15.4% national avg
Defaults
2
Avg interest
6.25%
Franchises funded
11
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Iga Food Stores | 1 | $300K | 0.0% |
| Ponderosa Steak House | 1 | $750K | 0.0% |
| Ace Hardware | 1 | $150K | 0.0% |
| True Value Hardware | 1 | $300K | 100.0% |
| Pizza Pro | 1 | $93K | 0.0% |
| Play It Again Sports (retail S | 1 | $140K | 100.0% |
| Grow Biz International, Inc. | 1 | $130K | 0.0% |
| Do It Best Hardware | 1 | $205K | — |
| Sky Zone Indoor Trampoline Par | 1 | $2.9M | — |
| Yamaha (Sales and Service Agre | 1 | $668K | — |
| Clean Eatz | 1 | $240K | — |
Lending volume by year
1'93
3'95
2'97
1'98
1'16
2'21
1'23
Geographic exposure
Portfolio summary
Total funded$5.9M
Defaults2 of 11
Risk tierCRITICAL
Avg rate6.25%
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%).