BR
SBA 7(a) franchise lending portfolio
Blue Ridge Bank National Association
EXCELLENT risk
- Total loans
- 16
- Loan volume
- $15.3M
- Avg loan size
- $959K
- Charge-off 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 | N/A |
| SunPower | 2 | $820K | N/A |
| Mayweather Boxing & Fitness | 2 | $1.1M | N/A |
| The Dog Stop | 2 | $1.0M | N/A |
| Bruster's | 1 | $290K | 0.0% (low risk) |
| Pelican's SnoBalls | 1 | $295K | N/A |
| Baskin-Robbins | 1 | $560K | N/A |
| Wingate by Wyndham | 1 | $5.0M | N/A |
| Philly Pretzel Factory | 1 | $300K | 0.0% (low risk) |
| Max's of Manila | 1 | $1.3M | N/A |
| Lehigh Gas Wholesale LLC (Mult | 1 | $2.7M | N/A |
| Kilwins Chocolates and Ice Cre | 1 | $701K | N/A |
Lending volume by year
1'10
1'19
1'20
4'21
6'22
1'23
2'24
Geographic exposure
4N/A
3N/A
2N/A
20.0% (low risk)
1N/A
1N/A
1N/A
10.0% (low risk)
1N/A
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
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 Blue Ridge Bank National Association originated?
- 16 loans totaling $15.3M. 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 Blue Ridge Bank National Association fund the most?
- The “Top franchise exposures” table above lists the brands Blue Ridge Bank National Association has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.