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SBA 7(a) franchise lending portfolio
BNC National Bank
Risk rating: Average
- Total loans
- 60
- Loan volume
- $28.3M
- Avg loan size
- $472K
- Charge-off rate
- 14.6%
- vs 16.0% national
Charged off
7
Avg interest
6.48%
Franchises funded
42
Risk rating
Average
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Firehouse Subs | 5 | $1.6M | N/A |
| Taco Del Mar | 3 | $391K | N/A |
| Pita Jungle | 3 | $1.9M | N/A |
| Dairy Queen Grill & Chill/Texa | 3 | $2.6M | N/A |
| Padgett Business Service | 2 | $363K | N/A |
| Molly Maid | 2 | $186K | N/A |
| Club Pilates | 2 | $583K | N/A |
| MAACO Auto Painting Center | 2 | $424K | N/A |
| Synergy Homecare | 2 | $570K | N/A |
| Alamo Intermediate II Holdings | 2 | $3.2M | N/A |
| DQ of Southern Arizona Store O | 2 | $176K | N/A |
| FirstLight HomeCare | 2 | $150K | N/A |
| Inacomp Computer Center | 1 | $377K | N/A |
| We Care Hair | 1 | $71K | N/A |
| Hungry Howie's | 1 | $290K | N/A |
| Kid To Kid | 1 | $138K | N/A |
| The Blind Man | 1 | $75K | N/A |
| Rosati's Pizza | 1 | $130K | N/A |
| Always Best Care Senior Servic | 1 | $105K | N/A |
| Mainstream Boutique | 1 | $250K | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY1996 | 1 |
| FY1999 | 1 |
| FY2004 | 1 |
| FY2005 | 1 |
| FY2006 | 1 |
| FY2007 | 1 |
| FY2009 | 2 |
| FY2010 | 1 |
| FY2011 | 6 |
| FY2012 | 4 |
| FY2013 | 9 |
| FY2014 | 6 |
| FY2015 | 3 |
| FY2016 | 6 |
| FY2017 | 3 |
| FY2018 | 4 |
| FY2019 | 2 |
| FY2021 | 2 |
| FY2023 | 1 |
| FY2024 | 1 |
| FY2025 | 4 |
SBA 7(a) · charge-off rate by approval year
BNC National Bank charge-off rate by loan vintage
None of these 6 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2011 | 6 | 0 | Too few |
| 2012 | 4 | 0 | Too few |
| 2013 | 9 | 2 | Too few |
| 2014 | 6 | 1 | Too few |
| 2016 | 5 | 0 | Too few |
| 2017 | 3 | 0 | Too few |
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
Portfolio summary
Total funded$28.3M
Charged off7 of 60
Risk tierAverage
Avg rate6.48%
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 BNC National Bank originated?
- 60 loans totaling $28.3M. The portfolio carries a 14.6% charge-off rate, earning a “Average” 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. BNC National Bank's rate of 14.6% is below 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 BNC National Bank fund the most?
- The “Top franchise exposures” table above lists the brands BNC National 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.