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SBA 7(a) franchise lending portfolio
BNY Mellon, National Association
GOOD risk
- Total loans
- 20
- Loan volume
- $2.1M
- Avg loan size
- $104K
- Default rate
- 5.0%
- vs 15.4% national avg
Defaults
1
Avg interest
—
Franchises funded
15
Risk rating
GOOD
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Signs By Tomorrow | 3 | $209K | 0.0% |
| Medicap Pharmacy | 2 | $138K | 0.0% |
| Mobil Auto Restoration Service | 2 | $72K | 0.0% |
| Agway | 2 | $495K | 0.0% |
| Snap-On-Tools | 1 | $55K | 0.0% |
| West Coast Video | 1 | $170K | 0.0% |
| Servicemaster | 1 | $50K | 0.0% |
| Bike Line | 1 | $125K | 0.0% |
| Logan Farms Honey Glazed Hams | 1 | $214K | 100.0% |
| Georgia Carpet Outlets | 1 | $200K | 0.0% |
| Rita's Real Italian Water Ice | 1 | $50K | 0.0% |
| Auntie Ann's (soft Pretzels) | 1 | $100K | 0.0% |
| Padgett Business Service | 1 | $37K | 0.0% |
| Paul W. Davis Systems | 1 | $75K | 0.0% |
| Sylvan Learning Center | 1 | $95K | 0.0% |
Lending volume by year
3'93
3'94
7'95
2'96
4'97
1'99
BNY Mellon, National Association default rate by loan vintage
BrandNational avg
Geographic exposure
Portfolio summary
Total funded$2.1M
Defaults1 of 20
Risk tierGOOD
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%).