BB
SBA 7(a) franchise lending portfolio
Banterra Bank
CRITICAL risk
- Total loans
- 11
- Loan volume
- $5.9M
- Avg loan size
- $537K
- Charge-off 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% (low risk) |
| Ponderosa Steak House | 1 | $750K | 0.0% (low risk) |
| Ace Hardware | 1 | $150K | 0.0% (low risk) |
| True Value Hardware | 1 | $300K | 100.0% (very high risk) |
| Pizza Pro | 1 | $93K | 0.0% (low risk) |
| Play It Again Sports (retail S | 1 | $140K | 100.0% (very high risk) |
| Grow Biz International, Inc. | 1 | $130K | 0.0% (low risk) |
| Do It Best Hardware | 1 | $205K | N/A |
| Sky Zone Indoor Trampoline Par | 1 | $2.9M | N/A |
| Yamaha (Sales and Service Agre | 1 | $668K | N/A |
| Clean Eatz | 1 | $240K | N/A |
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
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 Banterra Bank originated?
- 11 loans totaling $5.9M. The portfolio carries a 28.6% 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 Banterra Bank fund the most?
- The “Top franchise exposures” table above lists the brands Banterra Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.