BB
SBA 7(a) franchise lending portfolio
Beal Bank USA
Risk rating: High Risk
- Total loans
- 60
- Loan volume
- $26.4M
- Avg loan size
- $441K
- Charge-off rate
- 35.7%
- vs 16.0% national
Charged off
20
Avg interest
N/A
Franchises funded
39
Risk rating
High Risk
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Shane's Rib Shack | 7 | $2.0M | N/A |
| Subway Sandwich Shop | 6 | $1.0M | N/A |
| Chevron (gas Station) | 3 | $2.2M | N/A |
| Mr. Pickles Sandwich Shop | 3 | $547K | N/A |
| Motel 6 | 2 | $3.5M | N/A |
| Econo Lodge Motel | 2 | $1.0M | N/A |
| Dunkin Donuts | 2 | $750K | N/A |
| Church's Fried Chicken | 2 | $1.9M | N/A |
| Papa John's Pizza | 2 | $206K | N/A |
| 1-800-Radiator | 2 | $550K | N/A |
| Foot Solutions | 1 | $149K | N/A |
| Americas Best Value Inn (f/K/A | 1 | $880K | N/A |
| Texaco Service Station | 1 | $800K | N/A |
| Ramada Inn | 1 | $1.6M | N/A |
| Smoothie King (health Food Sto | 1 | $147K | N/A |
| Dairy Queen | 1 | $858K | N/A |
| Taco Del Mar | 1 | $220K | N/A |
| MAACO Auto Painting Center | 1 | $365K | N/A |
| Cold Stone Creamery, Inc. | 1 | $260K | N/A |
| Little Ceasar's Pizza | 1 | $231K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2000 | 1 |
| FY2001 | 1 |
| FY2002 | 1 |
| FY2003 | 2 |
| FY2005 | 9 |
| FY2006 | 12 |
| FY2007 | 14 |
| FY2008 | 18 |
| FY2009 | 2 |
SBA 7(a) · charge-off rate by approval year
Beal Bank USA: above all franchise loans in 2 of 3 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2005 | 8 | 2 | Too few |
| 2006 | 12 | 3 | 25.0% |
| 2007 | 12 | 5 | 41.7% |
| 2008 | 17 | 6 | 35.3% |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
3130.0% (high risk)
9N/A
5N/A
4N/A
3N/A
3N/A
2N/A
1N/A
1N/A
1N/A
Portfolio summary
Total funded$26.4M
Charged off20 of 60
Risk tierHigh Risk
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 Beal Bank USA originated?
- 60 loans totaling $26.4M. The portfolio carries a 35.7% charge-off rate, earning a “High Risk” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Beal Bank USA's rate of 35.7% is above the national rate.
- 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 Beal Bank USA fund the most?
- The “Top franchise exposures” table above lists the brands Beal Bank USA has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.