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SBA 7(a) franchise lending portfolio
BBVA Bancomer USA
CRITICAL risk
- Total loans
- 27
- Loan volume
- $10.4M
- Avg loan size
- $384K
- Default rate
- 33.3%
- vs 15.4% national avg
Defaults
9
Avg interest
—
Franchises funded
20
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Farmer Boys-Brea | 4 | $3.0M | 0.0% |
| Fantastic Sam's | 3 | $398K | 100.0% |
| Green Burrito (mex. Fastfood) | 2 | $294K | 0.0% |
| Grease Monkey | 2 | $1.0M | 0.0% |
| Travelodge | 1 | $275K | 0.0% |
| Mobil Oil (stations) | 1 | $1.1M | 0.0% |
| Coast-To-Coast Store | 1 | $332K | 100.0% |
| Shakey's Pizza | 1 | $500K | 0.0% |
| Breathe Yoga | 1 | $100K | 0.0% |
| Days Inn | 1 | $813K | 100.0% |
| Texaco Service Station | 1 | $50K | 0.0% |
| Deck The Walls | 1 | $130K | 100.0% |
| Fan-Maniacs, Inc | 1 | $100K | 100.0% |
| Chevron (gas Station) | 1 | $436K | 100.0% |
| Meineke Car Care | 1 | $368K | 0.0% |
| Kentucky Fried Chicken | 1 | $500K | 0.0% |
| Union 76 Oil | 1 | $325K | 0.0% |
| Blimpie | 1 | $104K | 100.0% |
| Baja Fresh Mexican Grill | 1 | $389K | 0.0% |
| Rocky Mountain Chocolate Facto | 1 | $200K | 0.0% |
Lending volume by year
3'95
2'96
3'97
5'98
5'99
3'00
1'01
1'02
2'03
2'04
BBVA Bancomer USA default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$10.4M
Defaults9 of 27
Risk tierCRITICAL
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%).