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SBA 7(a) franchise lending portfolio
Blue Ridge Bank National Association
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $15.3M
- Avg loan size
- $959K
- Default rate
- 0.0%
- vs 15.4% national avg
Defaults
0
Avg interest
7.38%
Franchises funded
12
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Blaze Pizza | 2 | $1.3M | — |
| SunPower | 2 | $820K | — |
| Mayweather Boxing & Fitness | 2 | $1.1M | — |
| The Dog Stop | 2 | $1.0M | — |
| Bruster's | 1 | $290K | 0.0% |
| Pelican's SnoBalls | 1 | $295K | — |
| Baskin-Robbins | 1 | $560K | — |
| Wingate by Wyndham | 1 | $5.0M | — |
| Philly Pretzel Factory | 1 | $300K | 0.0% |
| Max's of Manila | 1 | $1.3M | — |
| Lehigh Gas Wholesale LLC (Mult | 1 | $2.7M | — |
| Kilwins Chocolates and Ice Cre | 1 | $701K | — |
Lending volume by year
1'10
1'19
1'20
4'21
6'22
1'23
2'24
Geographic exposure
4—
20.0%
1—
1—
1—
10.0%
1—
Portfolio summary
Total funded$15.3M
Defaults0 of 16
Risk tierEXCELLENT
Avg rate7.38%
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%).