BB
SBA 7(a) franchise lending portfolio
Bell Bank
EXCELLENT risk
- Total loans
- 44
- Loan volume
- $18.2M
- Avg loan size
- $413K
- Charge-off 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% (low risk) |
| Play It Again Sports (retail S | 3 | $265K | 0.0% (low risk) |
| Slumberland | 3 | $2.0M | N/A |
| Cousins Submarines (restaurant | 2 | $300K | 0.0% (low risk) |
| Snap Fitness | 2 | $210K | 0.0% (low risk) |
| Urban Air Adventure Park | 2 | $5.4M | N/A |
| Handyman Connection | 2 | $400K | N/A |
| Paper Warehouse (party Supplie | 1 | $60K | 0.0% (low risk) |
| Quiznos | 1 | $70K | 0.0% (low risk) |
| True Value Hardware | 1 | $355K | 0.0% (low risk) |
| Dairy Queen | 1 | $136K | 0.0% (low risk) |
| Valentino's (italian Restauran | 1 | $532K | 0.0% (low risk) |
| Breadsmith | 1 | $150K | 0.0% (low risk) |
| Curves For Women | 1 | $132K | 0.0% (low risk) |
| Certirestore | 1 | $72K | 0.0% (low risk) |
| Slim And Tone | 1 | $80K | 0.0% (low risk) |
| Paul Green School Of Rock Musi | 1 | $100K | 0.0% (low risk) |
| Hooters (restaurant) | 1 | $115K | 0.0% (low risk) |
| Disc-Go-Round, Inc. | 1 | $125K | 0.0% (low risk) |
| Schlotzsky's Sandwich Shop | 1 | $131K | 0.0% (low risk) |
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 charge-off rate by loan vintage
BrandNational avg
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 Bell Bank originated?
- 44 loans totaling $18.2M. 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 Bell Bank fund the most?
- The “Top franchise exposures” table above lists the brands Bell Bank has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.