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SBA 7(a) franchise lending portfolio
Beal Bank USA
CRITICAL risk
- Total loans
- 60
- Loan volume
- $26.4M
- Avg loan size
- $441K
- Default rate
- 35.7%
- vs 15.4% national avg
Defaults
20
Avg interest
—
Franchises funded
39
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Shane's Rib Shack | 7 | $2.0M | 0.0% |
| Subway Sandwich Shop | 6 | $1.0M | 0.0% |
| Chevron (gas Station) | 3 | $2.2M | 66.7% |
| Mr. Pickles Sandwich Shop | 3 | $547K | 66.7% |
| Motel 6 | 2 | $3.5M | 0.0% |
| Econo Lodge Motel | 2 | $1.0M | 0.0% |
| Dunkin Donuts | 2 | $750K | 0.0% |
| Church's Fried Chicken | 2 | $1.9M | 50.0% |
| Papa John's Pizza | 2 | $206K | 100.0% |
| 1-800-Radiator | 2 | $550K | 100.0% |
| Foot Solutions | 1 | $149K | 0.0% |
| Americas Best Value Inn (f/K/A | 1 | $880K | 0.0% |
| Texaco Service Station | 1 | $800K | 100.0% |
| Ramada Inn | 1 | $1.6M | 0.0% |
| Smoothie King (health Food Sto | 1 | $147K | 0.0% |
| Dairy Queen | 1 | $858K | 0.0% |
| Taco Del Mar | 1 | $220K | 100.0% |
| MAACO Auto Painting Center | 1 | $365K | 100.0% |
| Cold Stone Creamery, Inc. | 1 | $260K | 100.0% |
| Little Ceasar's Pizza | 1 | $231K | 0.0% |
Lending volume by year
1'00
1'01
1'02
2'03
9'05
12'06
14'07
18'08
2'09
Beal Bank USA default rate by loan vintage
BrandNational avg
Geographic exposure
3130.0%
955.6%
560.0%
40.0%
333.3%
366.7%
20.0%
10.0%
1—
1—
Portfolio summary
Total funded$26.4M
Defaults20 of 60
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%).