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SBA 7(a) franchise lending portfolio
Bell Bank
EXCELLENT risk
- Total loans
- 44
- Loan volume
- $18.2M
- Avg loan size
- $413K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
8.14%
Franchises funded
32
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Blimpie | 5 | $390K | 0.0% |
| Play It Again Sports (retail S | 3 | $265K | 0.0% |
| Slumberland | 3 | $2.0M | — |
| Cousins Submarines (restaurant | 2 | $300K | 0.0% |
| Snap Fitness | 2 | $210K | 0.0% |
| Urban Air Adventure Park | 2 | $5.4M | — |
| Handyman Connection | 2 | $400K | — |
| Paper Warehouse (party Supplie | 1 | $60K | 0.0% |
| Quiznos | 1 | $70K | 0.0% |
| True Value Hardware | 1 | $355K | 0.0% |
| Dairy Queen | 1 | $136K | 0.0% |
| Valentino's (italian Restauran | 1 | $532K | 0.0% |
| Breadsmith | 1 | $150K | 0.0% |
| Curves For Women | 1 | $132K | 0.0% |
| Certirestore | 1 | $72K | 0.0% |
| Slim And Tone | 1 | $80K | 0.0% |
| Paul Green School Of Rock Musi | 1 | $100K | 0.0% |
| Hooters (restaurant) | 1 | $115K | 0.0% |
| Disc-Go-Round, Inc. | 1 | $125K | 0.0% |
| Schlotzsky's Sandwich Shop | 1 | $131K | 0.0% |
Lending volume by year
1'92
2'93
2'95
1'96
1'97
2'99
2'00
3'02
2'03
3'05
2'06
3'08
1'13
2'17
3'21
1'22
4'23
2'24
5'25
2'26
Bell Bank default rate by loan vintage
BrandNational avg
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%).