BB
SBA 7(a) franchise lending portfolio
Beacon Business Bank National Association
EXCELLENT risk
- Total loans
- 11
- Loan volume
- $20.5M
- Avg loan size
- $1.9M
- Charge-off rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
6.43%
Franchises funded
10
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Powell Distributing Company - | 2 | $2.2M | 0.0% (low risk) |
| PetroCard Inc. (Branded Dealer | 1 | $2.7M | N/A |
| Travelodge | 1 | $2.7M | 0.0% (low risk) |
| Days Inn | 1 | $3.0M | 0.0% (low risk) |
| Subway Sandwich Shop | 1 | $80K | 0.0% (low risk) |
| Chevron - Retail Supply Contra | 1 | $2.2M | N/A |
| Burger King | 1 | $1.4M | 0.0% (low risk) |
| Motel 6 | 1 | $2.3M | N/A |
| Subway | 1 | $610K | N/A |
| Rally's | 1 | $3.3M | N/A |
Lending volume by year
1'12
1'13
2'17
3'18
2'19
1'20
1'26
Geographic exposure
60.0% (low risk)
50.0% (low risk)
Portfolio summary
Total funded$20.5M
Defaults0 of 11
Risk tierEXCELLENT
Avg rate6.43%
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 Beacon Business Bank National Association originated?
- 11 loans totaling $20.5M. The portfolio carries a 0.0% charge-off rate, earning a “EXCELLENT” 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 Beacon Business Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands Beacon Business Bank National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.